Family Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Family Bank of Pelham, GA against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.12% | 1.34% | -0.22% | 40th below |
| ROAE | 7.99% | 13.32% | -5.33% | 25th below |
| Net Interest Margin | 4.95% | 3.93% | +1.02% | 91st top |
| Efficiency Ratio | 64.17% | 61.13% | +3.04% | 41st below |
| PPNR / Avg Assets | 1.99% | 1.68% | +0.31% | 72nd above |
| Yield on Earning Assets | 6.75% | 5.67% | +1.08% | 92nd top |
| Cost of Funds | 2.03% | 1.88% | +0.15% | 36th below |
| Net Interest Spread | 4.14% | 3.32% | +0.82% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.28% | 0.94% | +1.34% | 11th bottom |
| NPA / Total Assets | 2.00% | 0.70% | +1.30% | 7th bottom |
| NCO / Avg Loans | 0.20% | 0.16% | +0.04% | 13th bottom |
| ACL / Total Loans | 1.87% | 1.28% | +0.59% | 91st top |
| ACL / NPLs (Coverage) | 82.00% | 1546.37% | -1464.37% | 21st bottom |
| Texas Ratio | 12.77% | 7.34% | +5.43% | 16th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 445.95% | 1395.09% | -949.14% | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.90% | 19.48% | +2.42% | 82nd top |
| Tier 1 Ratio | 21.90% | 19.52% | +2.38% | 82nd top |
| Total Capital Ratio | 23.17% | 20.60% | +2.57% | 82nd top |
| Leverage Ratio | 14.13% | 12.14% | +1.99% | 82nd top |
| Equity / Assets | 14.04% | 11.36% | +2.68% | 85th top |
| TCE / Tangible Assets | 14.04% | 11.08% | +2.96% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.11% | 80.66% | +22.45% | 8th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.48% | 86.85% | +1.63% | 46th below |
| Wholesale Funding Ratio | 0.04% | 5.04% | -5.00% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.45% | 6.84% | -1.39% | 58th above |
| Loan Growth (Y/Y) | 10.89% | 7.92% | +2.97% | 76th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.58% | 6.29% | -1.71% | 54th above |
See Family Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Family Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Family Bank profile, how to read a UBPR, or how this data updates.