Family Bank
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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
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
- Website
- www.familybank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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
$162.0M total assets against $153.7M; $139.3M total liabilities against $133.1M.
$140.0M net loans and leases against $126.5M; $138.3M total deposits against $132.3M.
$278K securities against $379K; $15.6M cash and balances due against $20.8M.
$2.6M total interest income against $2.6M; $703K total interest expense against $678K.
$1.9M net interest income against $1.9M.
$292K total noninterest income against $282K; $1.4M total noninterest expense against $1.4M.
$181K provision for credit losses against $85K.
$450K net income against $530K.
1.12% return on assets against 1.41%; 4.95% net interest margin against 5.18%.
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
Unlock this bank, freeWatch 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.
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.
Family Bank rankings
Its closest position to the top of a national ranking is 257 of 2,134, for CET1 ratio; its furthest is 3,205 of 4,196, for total assets.
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.
| 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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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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