Family Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 57.08 percentage points in Q2 2026, from 139.08% to 82.00%. It was the largest change from Q1 2026 among the key lines here. Family Bank ranks 89th of 121 Georgia banks on return on assets, in the lower half at 1.12% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Family Bank sits 0.14 points lower, at 1.12% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.90% |
| Tier 1 risk-based capital ratio | 21.90% |
| Total risk-based capital ratio | 23.17% |
| Tier 1 leverage ratio | 14.13% |
| Equity capital to assets | 14.04% |
| Tangible equity to tangible assets | 14.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.28% |
| Non-performing assets ratio | 2.00% |
| Net charge-off ratio | 0.20% |
| Texas ratio | 12.77% |
| Allowance for credit losses to loans | 1.87% |
| Reserve coverage of non-performing loans | 82.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.12% |
| Return on equity | 7.99% |
| Net interest margin | 4.95% |
| Efficiency ratio | 64.17% |
| Yield on earning assets | 6.75% |
| Cost of funds | 2.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.11% |
| Core deposits to total deposits | 88.48% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.36% |
| Securities to assets | 0.17% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.67% | 20.67% | 21.93% | 12.47% | 1.15% |
| Q4 2023 | 20.60% | 20.60% | 21.86% | 12.81% | 1.09% |
| Q1 2024 | 20.50% | 20.50% | 21.76% | 12.62% | 1.13% |
| Q2 2024 | 20.83% | 20.83% | 22.09% | 12.50% | 1.04% |
| Q3 2024 | 21.23% | 21.23% | 22.49% | 12.67% | 1.24% |
| Q4 2024 | 21.62% | 21.62% | 22.88% | 13.02% | 1.39% |
| Q1 2025 | 22.26% | 22.26% | 23.52% | 13.29% | 1.38% |
| Q2 2025 | 21.66% | 21.66% | 22.92% | 13.69% | 1.41% |
| Q3 2025 | 21.40% | 21.40% | 22.67% | 13.92% | 1.28% |
| Q4 2025 | 21.94% | 21.94% | 23.21% | 14.00% | 1.46% |
| Q1 2026 | 21.95% | 21.95% | 23.22% | 14.19% | 1.64% |
| Q2 2026 | 21.90% | 21.90% | 23.17% | 14.13% | 1.12% |
Family Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Family Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Family Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29357) · FFIEC NIC profile (RSSD 156970)