BlastPoint's Banking Scorecard

Family Bank

$100M-$1B Specialty: Mortgage GA FDIC cert 29357

Designations: ✓ Mutual

Pelham, GA

3 branches across GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
Deposits +4.6% year over year ($138.3M on the books).
Delinquency rate 2.26%.
Return on assets 1.38%.
Efficiency ratio 60.03% vs a 64.48% peer average.
Loan-to-deposit ratio 101.19% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA

View $100M-$1B leaderboard (GA) →

Family Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 1.21% above tier average
+ ROA 0.06% above tier average
+ Efficiency Ratio 4.45% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 11.0% in tier
- Nonperforming Asset Ratio 1.28% above tier average
- Delinquency Rate 1.34% above tier average

Get updates when Family Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$162.0M +5.5% YoY +1.7% QoQ	-$224.5M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	17%
Total Loans ?	$140.0M +10.6% YoY +2.0% QoQ	-$118.4M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	32%
Total Deposits ?	$138.3M +4.6% YoY +1.7% QoQ	-$188.4M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	18%
Return on Assets ?	1.38% -1.3% YoY -15.9% QoQ	+0.06%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	58%
Net Interest Margin ?	5.20% +3.7% YoY -2.2% QoQ	+1.21%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	Top 5.6% in tier
Efficiency Ratio ?	60.03% -4.2% YoY +7.2% QoQ	-4.45%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	57%
Delinquency Rate ?	2.26% +46.5% YoY +11.2% QoQ	+1.34%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	Bottom 10.7% in tier
Loan-to-Deposit Ratio ?	101.19% +5.8% YoY +0.3% QoQ	+23.24%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	Bottom 8.6% in tier
Non-Interest-Bearing Deposit Share ?	21.29% -12.8% YoY -2.0% QoQ	-0.74%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	51%
Nonperforming Asset Ratio ?	1.95% +53.7% YoY +11.6% QoQ	+1.28%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	Bottom 7.8% in tier
Tier 1 Capital Ratio ?	21.90% +1.1% YoY -0.2% QoQ	+6.00%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	Top 10.6% in tier
Non-Interest Income / Assets ?	0.37% +3.4% YoY +93.4% QoQ	-0.20%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	81%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Noninterest-Bearing	21.3% -3.1pp YoY -0.4pp QoQ	-0.9pp	22.1%	26.2%	22.2%	51%
Brokered Deposits	n/a	n/a	7.9%	7.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
C&I	8.1% +1.1pp YoY +0.4pp QoQ	-3.4pp	11.6%	9.7%	12.5%	41%
CRE	13.5% -2.6pp YoY +0.3pp QoQ	-26.0pp	39.5%	48.9%	41.4%	9%
1-4 Family	68.8% +3.0pp YoY +0.1pp QoQ	+36.2pp	32.6%	31.7%	31.3%	94%
Consumer	8.1% -0.8pp YoY -0.8pp QoQ	+4.0pp	4.1%	4.8%	5.0%	89%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	21.9% +0.2pp YoY -0.1pp QoQ	+3.1pp	18.8%	20.9%	19.7%	83%
Leverage Ratio	14.1% +0.4pp YoY -0.1pp QoQ	+2.0pp	12.2%	14.0%	12.6%	82%
Total Capital Ratio	23.2% +0.2pp YoY 0.0pp QoQ	+3.2pp	19.9%	22.1%	20.8%	83%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	33 -1 (-2.9%) YoY -2 (-5.7%) QoQ	-26	58	98	482	31%
Assets per Employee ($)	$4.9M +8.6% YoY +7.9% QoQ	-$2.6M	$7.5M	$7.5M	$8.8M	13%
Branch Count	3 0 YoY 0 QoQ	-2	4	6	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp YoY -0.7pp QoQ	-0.3pp	0.3%	0.1%	0.4%	3%
Nonaccrual	2.3% +0.8pp YoY +1.0pp QoQ	+1.3pp	0.9%	0.8%	1.0%	90%
Allowance Coverage	0.84x -22.1% YoY -8.6% QoQ	-23.31x	24.15x	38.10x	20.23x	22%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY +0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	77%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	9.8% -0.6pp YoY -1.9pp QoQ	-2.3pp	12.2%	13.6%	11.6%	36%
Cost of Funds (YTD)	1.8% -0.1pp YoY +0.1pp QoQ	+0.1pp	1.7%	1.6%	1.7%	57%
Net Income ($, YTD)	$1.1M +4.2% YoY — QoQ	-$1.5M	$2.6M	$6.6M	$40.4M	30%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#83 of 742 • Bottom 11.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 21.90%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 101.19%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

148

Net Interest Margin

profitability

Value: 5.20%

Peer Median: 3.99%

#148 of 2643 Top 5.6% in $100M-$1B

282

Tier 1 Capital Ratio

capital

Value: 21.90%

Peer Median: 15.91%

#282 of 2643 Top 10.6% in $100M-$1B

490

Non-Interest Income / Assets

revenue_mix

Value: 0.37%

Peer Median: 0.57%

#490 of 2643 Top 18.5% in $100M-$1B

Top Weaknesses (5 metrics)

2439

Nonperforming Asset Ratio

credit_quality

Value: 1.95%

Peer Median: 0.67%

#2439 of 2643 Bottom 7.8% in $100M-$1B

2416

Loan-to-Deposit Ratio

liquidity

Value: 101.19%

Peer Median: 77.95%

#2416 of 2643 Bottom 8.6% in $100M-$1B

2351

Delinquency Rate

credit_quality

Value: 2.26%

Peer Median: 0.92%

#2351 of 2633 Bottom 10.7% in $100M-$1B

2182

Total Assets

size

Value: $162.03M

Peer Median: $386.57M

#2182 of 2643 Bottom 17.5% in $100M-$1B

2172

Total Deposits

size

Value: $138.31M

Peer Median: $326.73M

#2172 of 2643 Bottom 17.9% in $100M-$1B