FAMILY BANK

PELHAM, GA | Small | Est. Jan. 1, 1931, midnight | FDIC #29357 | RSSD #156970 | OCC
Latest Report: 2025-12-31

FAMILY BANK is asn small FDIC-insured commercial bank headquartered in PELHAM, GA, established in Jan. 1, 1931, midnight. As of 2025-12-31, the bank reported total assets of $155M and total deposits of $133M. Profitability stands at 1.46% ROA and 10.55% ROE, with a net interest margin of 5.59%. The bank's CET1 capital ratio is 21.94%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.26% and a Texas Ratio of 7.14%. FDIC Certificate #29357.

Assets

$155M

Deposits

$133M

Loans

$136M

Equity

$22M

Profitability

Return on Assets (ROA) 1.46%
Return on Equity (ROE) 10.55%
Net Interest Margin (NIM) 5.59%
Yield on Assets 7.45%
Cost of Funds 2.00%

Asset Quality

NPL Ratio 1.26%
Net Charge-Off Ratio 0.02%
Texas Ratio 7.14%
NPA Ratio 1.11%
ACL / Loans 1.77%

Capital & Liquidity

CET1 Ratio 21.94%
Tier 1 Capital 21.94%
Total Capital Ratio 23.21%
Leverage Ratio 14.00%
Loan-to-Deposit 102.39%

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