BlastPoint's Banking Scorecard
Family Bank
Micro
Specialty: Mortgage
GA
FDIC cert 29357
Designations: ✓ Community bank ✓ Mutual
Pelham, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Family Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.32% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 26.05% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$155.4M
+5.0% YoY
+1.8% QoQ
|
-$62.1M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$133.6M
+12.1% YoY
+2.2% QoQ
|
-$5.6M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$132.8M
+4.0% YoY
+1.8% QoQ
|
-$50.9M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
1.38%
+15.4% YoY
+2.0% QoQ
|
+0.30% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
5.18%
+15.4% YoY
+1.4% QoQ
|
+1.32% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
61.23%
-3.5% YoY
-2.1% QoQ
|
-6.50% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
1.39%
+14.7% YoY
-3.4% QoQ
|
+0.75% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
100.58%
+7.8% YoY
+0.4% QoQ
|
+26.05% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.53%
+1.1% YoY
-6.3% QoQ
|
-0.86% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
1.19%
+22.5% YoY
-3.0% QoQ
|
+0.74% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
15% |
| Tier 1 Capital Ratio ? |
21.94%
+1.5% YoY
+2.5% QoQ
|
+13.09% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.73%
+2.2% YoY
+29.6% QoQ
|
+0.17% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.18%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
100.58%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.85%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.94% · Tier avg: 8.85%
84
84th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.56%
69
69th pctile
Return on Assets
Current: 1.38% · Tier avg: 1.08%
64
64th pctile
Efficiency Ratio
Current: 61.23% · Tier avg: 67.73%
55
55th pctile
Total Loans
Current: $133.6M · Tier avg: $139.2M
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 21.53% · Tier avg: 22.39%
40
40th pctile
Total Deposits
Current: $132.8M · Tier avg: $183.7M
40
40th pctile
Total Assets
Current: $155.4M · Tier avg: $217.5M
21
21th pctile
Delinquency Rate
Current: 1.39% · Tier avg: 0.64%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.19% · Tier avg: 0.45%
8
8th pctile
Loan-to-Deposit Ratio
Current: 100.58% · Tier avg: 74.53%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 100.58% · Tier avg: 74.53%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.19% · Tier avg: 0.45%
21
21th pctile
Delinquency Rate
Current: 1.39% · Tier avg: 0.64%
40
40th pctile
Total Assets
Current: $155.4M · Tier avg: $217.5M
40
40th pctile
Total Deposits
Current: $132.8M · Tier avg: $183.7M
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 21.53% · Tier avg: 22.39%
55
55th pctile
Total Loans
Current: $133.6M · Tier avg: $139.2M
64
64th pctile
Efficiency Ratio
Current: 61.23% · Tier avg: 67.73%
69
69th pctile
Return on Assets
Current: 1.38% · Tier avg: 1.08%
84
84th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.56%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.94% · Tier avg: 8.85%
93
93th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.85%