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Family Bank

Pelham, GA · Cert 29357

State savings bank · OCC · 3 branches

Q2 2026

$162.0MAssets
$142.6MLoans
$138.3MDeposits
$22.8MEquity
Loan mix
84%RE $116.0M8%C&I $10.5M9%Consumer $12.2MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $108.9M21%Noninterest $29.4MQ2 2025Q2 2026

NIM

6.04%Q2 ’246.62%Q2 ’256.56%Q2 ’26+17%+2%

Non-interest income vs. expense

3.13%Q2 ’243.45%Q2 ’253.37%Q2 ’26+11%-3%

Executive Summary

  • Earnings: ROA of 1.38%, down 2 bps year over year; NIM at 4.88%.
  • Asset quality: problem loans at 2.21% of loans (+70 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 14.13%, up 44 bps from a year ago.
  • Funding: loans stand at 103.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%-2 bps YoY

Net Interest Margin (YTD, annualized)

4.88%+10 bps YoY

Efficiency Ratio (YTD, annualized)

60.03%-262 bps YoY

Tier 1 Leverage Ratio

14.13%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.40%1.36%1.38%1.64%1.38%-2 bps
Return on Equity10.47%10.07%10.20%11.74%9.85%-62 bps
Net Interest Margin4.78%4.85%4.84%5.06%4.88%+10 bps
Efficiency Ratio62.65%62.51%61.23%56.00%60.03%-262 bps
Non-Interest Burden2.72%2.75%2.68%2.50%2.64%-9 bps
Growth
Asset Growth (YoY)3.61%-0.05%4.97%6.27%5.45%+184 bps
Loan Growth (YoY)8.89%11.38%12.27%14.69%10.89%+200 bps
Deposit Growth (YoY)6.42%2.02%4.00%5.26%4.58%-184 bps
Asset Quality
Nonperforming Loans / Loans1.51%1.41%1.36%1.99%2.21%+70 bps
Net Charge-Offs / Loans0.00%0.00%0.02%0.01%0.10%+11 bps
Allowance / Loans1.64%1.71%1.77%1.84%1.87%+23 bps
Allowance Coverage of NPLs1.1x1.2x1.3x0.9x0.8x-0.2x
Capital
Tier 1 Leverage Ratio13.69%13.92%14.00%14.19%14.13%+44 bps
Total Risk-Based Capital22.92%22.67%23.21%23.22%23.17%+25 bps
Equity / Assets13.41%13.82%13.94%14.00%14.04%+63 bps
Liquidity & Funding
Loans / Deposits97.25%101.89%102.39%102.79%103.11%+586 bps
Liquid Assets / Assets13.03%9.19%8.96%9.03%8.66%-437 bps
CRE / Total Capitaln/a88.27%85.94%80.93%n/an/a