Bank Comparison
Family Bank vs Bank of Dawson
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 14
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Family Bank | Bank of Dawson |
|---|---|---|
| CET1 Ratio | 21.95% | 26.97% |
| Tier 1 Capital Ratio | 21.95% | 26.97% |
| Total Capital Ratio | 23.22% | 28.22% |
| Tier 1 Leverage Ratio | 14.19% | 18.11% |
| Equity / Assets | 14.00% | 16.06% |
Profitability
| Metric | Family Bank | Bank of Dawson |
|---|---|---|
| Return on Assets (ROA) | 1.64% | 2.54% |
| Return on Equity (ROE) | 11.74% | 16.12% |
| Net Interest Margin (NIM) | 5.21% | 4.78% |
| Yield on Earning Assets | 6.91% | 6.65% |
| Cost of Funds | 1.94% | 2.16% |
Asset quality
| Metric | Family Bank | Bank of Dawson |
|---|---|---|
| Texas Ratio | 11.55% | 4.38% |
| Non-Performing Loan Ratio | 1.32% | 1.12% |
| Non-Performing Asset Ratio | 1.16% | 0.75% |
| Net Charge-Off Ratio | 0.01% | -0.02% |
| ACL / Loans | 1.84% | 1.78% |
Balance sheet
| Metric | Family Bank | Bank of Dawson |
|---|---|---|
| Total Assets | $159,328K | $159,860K |
| Total Deposits | $135,949K | $132,333K |
| Total Loans | $139,740K | $90,543K |
| Total Equity | $22,305K | $25,667K |
| Net Income (quarter) | $645 | $1,018K |
Liquidity & funding
| Metric | Family Bank | Bank of Dawson |
|---|---|---|
| Loan-to-Deposit Ratio | 102.79% | 68.42% |
| Core Deposit Ratio | 89.43% | 82.97% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Family Bank | Bank of Dawson |
|---|---|---|
| Headquarters City | PELHAM | DAWSON |
| Headquarters State | GA | GA |
| Asset Tier | Small | Small |
| Charter Class | 703330 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 35 | 21 |
| Established | Jan. 1, 1931, midnight | July 1, 1911, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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