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Family Bank

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Pelham, GA $100M to $1B in assets Est. January 1, 1931 FDIC #29357 RSSD #156970 Routing #261270679 OCC

Data as of · sourced from FFIEC call reports. How we update

Family Bank is an FDIC-insured savings institution headquartered in Pelham, GA, established in 1931 (FDIC certificate 29357), and it is supervised by the OCC. At Q2 2026 it reported total assets of $162.0M, up 5.5% from Q2 2025, the 96th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 21.90% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.

Charter
Savings institution
Regulator
OCC
Deposit insurance
FDIC
FDIC certificate
29357
Headquarters
Pelham, GA
Established
1931
Total assets, Q2 2026
$162.0M
Assets vs Q2 2025
+5.5%
CET1 ratio, Q2 2026
21.90%
Domestic offices
3 FDIC institution directory, current count
Routing number
261270679
Latest call report
Q2 2026, FFIEC 041 · Family Bank call report
Asset rank in state
96th of 121 in Georgia
Assets
$162.0M
Deposits
$138.3M
Loans
$142.6M
Equity
$22.8M

Problem loans are rising at Family Bank. The Pelham, Georgia bank had $162 million in assets at June 30, 2026, up 5.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.21% of loans from 1.51% a year earlier. It keeps 4.95 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also holds commercial real estate loans equal to only 32% of its capital, a small fraction of the median of 1.2 times for banks its size.

Net income for the quarter slipped 15% from a year earlier, to $450,000. Over the same year, loans grew 10.9% and deposits grew 4.6%. Credit is the area to watch: it carries problem assets equal to 12.4% of the capital and reserves that would absorb them, 4.7 times the median of 2.6% for banks its size.

As of June 30, 2026, Family Bank reported a CET1 capital ratio of 21.90%, a return on assets of 1.12%, a nonperforming-loan ratio of 2.21% and a Texas ratio of 12.42%. The figures come from its call report filed with the FFIEC.

By total assets at Q2 2026, Family Bank is the 96th largest of the 121 banks headquartered in Georgia. Between Q1 2026 and Q2 2026, its total assets rose 1.7% to $162.0M, loans rose 2.1% and deposits rose 1.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 67.5% of total loans, ahead of commercial and industrial loans at 8.0%. The FDIC Summary of Deposits lists 3 offices for it, in Pelham, GA, Camilla, GA and Bainbridge, GA; its Pelham office books 57% of its branch deposits. On its Q2 2026 call report, Family Bank meets every capital ratio test for well capitalized.

Headquarters Profile

Address
134 Hand Ave W, Pelham, GA 31779
County
Mitchell
Charter
Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
Primary Regulator
OCC
FDIC Region
Atlanta (Region 5)
Federal Reserve member
—
Federal Reserve district
District 6, Atlanta
Fiduciary (trust) powers
—
Call Report form
FFIEC 041
Established
January 1, 1931
Former names
Family Federal Savings Bank (1991-1999)
Domestic offices
3 FDIC institution directory, current count
Employees (FTE)
33
Domestic deposits
$138.3M
Allowance for credit losses
$2.7M
Net charge-offs (YTD)
$74K
Average total assets
$161.1M
Average total loans
$141.3M
Average interest-bearing deposits
$109.1M
Tax status
C corporation
Ownership
Mutual
Community bank
Yes
FDIC-insured since
August 9, 1989
FDIC Cert
29357
Fed RSSD
156970

Profitability

Q2 annualized
Return on Assets1.12%YTD 1.38%
Return on Equity7.99%YTD 9.85%
Net Interest Margin4.95%YTD 5.08%

Balance Sheet

Total liabilities$139.3M
Cash & balances due$15.6M
Securities, available-for-sale$278K
Securities, held-to-maturity$0
Goodwill & intangibles$0

Income Statement

Net income Q2$450K
Net interest income YTD$3.9M
Total interest income YTD$5.3M
Total interest expense YTD$1.4M
Provision for credit losses YTD$382K

Operating & Funding

Total noninterest income YTD$594K
Total noninterest expense YTD$2.7M

Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures

Quarterly trends

From Q3 2023 to Q2 2026, Family Bank's total assets ranged from $139.3M (Q3 2023) to $162.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built

Total assets and total liabilities

$162.0M total assets against $153.7M; $139.3M total liabilities against $133.1M.

Loans and leases against deposits

$140.0M net loans and leases against $126.5M; $138.3M total deposits against $132.3M.

Securities and cash

$278K securities against $379K; $15.6M cash and balances due against $20.8M.

Interest income against interest expense

$2.6M total interest income against $2.6M; $703K total interest expense against $678K.

Net interest income

$1.9M net interest income against $1.9M.

Noninterest income against noninterest expense

$292K total noninterest income against $282K; $1.4M total noninterest expense against $1.4M.

Provision for credit losses

$181K provision for credit losses against $85K.

Net income

$450K net income against $530K.

Return on assets and net interest margin

1.12% return on assets against 1.41%; 4.95% net interest margin against 5.18%.

CET1 and Tier 1 leverage ratios

21.90% CET1 capital ratio against 21.66%; 14.13% tier 1 leverage ratio against 13.69%.

Inside the full Family Bank terminal

21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts

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Watch flags

Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.

Loan-to-Deposit at 103.1%, loans exceed deposit base BRR analysis What does this mean? →

Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.

Quarterly trend: last 8 quarters

Across the 8 quarters to Q2 2026, its return on assets ran from 1.12% (Q2 2026) to 1.64% (Q1 2026) and its net interest margin ran from 4.40% (Q3 2024) to 5.27% (Q4 2025).

Quarter CET1 ROA NPL Texas NIM
Q2 2026 21.90% 1.12% 2.21% 12.42% 4.95%
Q1 2026 21.95% 1.64% 1.99% 11.19% 5.21%
Q4 2025 21.94% 1.46% 1.36% 7.71% 5.27%
Q3 2025 21.40% 1.28% 1.41% 8.03% 5.19%
Q2 2025 21.66% 1.41% 1.51% 8.57% 5.18%
Q1 2025 22.26% 1.38% 1.72% 9.50% 4.66%
Q4 2024 21.62% 1.39% 1.19% 6.71% 4.69%
Q3 2024 21.23% 1.24% 1.22% 6.98% 4.40%

Swipe the table sideways to see every column.

Branch Network

View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.

1–3 of 3
Branch Location ZIP Deposits
Family Bank (main office) Pelham , GA 31779 $78.5M
152 East Broad Street Branch Camilla , GA 31730 $35.5M
800 East College Street Branch Bainbridge , GA 39819 $24.3M

Regulatory record

Facts as filed or published, not a rating.

Enforcement actions
None against the institution on file; 1 against individuals associated with it
Period: Most recent action November 7, 1997. Source: FDIC, Federal Reserve and OCC enforcement releases.
Deposit market share
<0.1% of deposits in GA, rank 131 of 177 institutions
Period: June 30, 2026. Source: FDIC Summary of Deposits.
Not on file
Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources

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Family Bank: regulatory capital profile · BankRegReports

Frequently asked about Family Bank

What are Family Bank's total assets?

As of the Q2 2026 filing, Family Bank reported total assets of $162.0 million in its FFIEC call report.

Where is Family Bank headquartered?

It is headquartered in Pelham, GA, United States.

When was Family Bank founded?

It was established in 1931, per the FDIC institution directory.

Is Family Bank FDIC-insured?

Yes. It is an FDIC-insured savings institution (FDIC Certificate #29357). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.

Who regulates Family Bank?

Family Bank's primary federal regulator is the OCC.

What is Family Bank's CET1 capital ratio?

It reported a Common Equity Tier 1 (CET1) capital ratio of 21.90% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.

How many branches does Family Bank operate?

It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.

What is Family Bank's Texas Ratio?

Its Texas Ratio is 12.42% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.

What was Family Bank previously called?

The charter now named Family Bank has also operated as Family Federal Savings Bank (1991-1999), per FDIC structure-change records.

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