BlastPoint's Banking Scorecard
Family Bank
Designations: ✓ Mutual
Pelham, GA
3 branches across GA
Family Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.38% above tier average
- + ROA 0.37% above tier average
- + Efficiency Ratio 9.29% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 10.4% in tier
- - Nonperforming Asset Ratio 1.11% above tier average
- - Delinquency Rate 1.14% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$159.3M
+6.3% YoY
+2.5% QoQ
|
-$226.8M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
17% |
| Total Loans ? |
$137.2M
+14.5% YoY
+2.7% QoQ
|
-$118.5M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$135.9M
+5.3% YoY
+2.4% QoQ
|
-$192.0M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
17% |
| Return on Assets ? |
1.64%
+17.2% YoY
+18.6% QoQ
|
+0.37% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
75% |
| Net Interest Margin ? |
5.31%
+10.6% YoY
+2.7% QoQ
|
+1.38% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
Top 4.2% in tier |
| Efficiency Ratio ? |
56.00%
-10.7% YoY
-8.5% QoQ
|
-9.29% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
71% |
| Delinquency Rate ? |
2.03%
+15.7% YoY
+46.1% QoQ
|
+1.14% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.3% in tier |
| Loan-to-Deposit Ratio ? |
100.90%
+8.8% YoY
+0.3% QoQ
|
+24.26% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 7.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.74%
-4.2% YoY
+1.0% QoQ
|
-0.28% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
53% |
| Nonperforming Asset Ratio ? |
1.75%
+24.7% YoY
+46.4% QoQ
|
+1.11% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
Bottom 8.7% in tier |
| Tier 1 Capital Ratio ? |
21.95%
-1.4% YoY
+0.0% QoQ
|
+6.12% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
Top 10.2% in tier |
| Non-Interest Income / Assets ? |
0.19%
+8.1% YoY
-74.1% QoQ
|
-0.09% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
84% |
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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 (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.