# FAMILY BANK
PELHAM, GA · FDIC certificate 29357 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $162.0M | |
| Deposits | $138.3M | |
| Loans and leases | $142.6M | |
| Total equity | $22.8M | |
| Loans / deposits | 101.19% (p92 of band) | 73.59% |
| Liquid assets / assets | 9.80% (p3 of band) | |
| Uninsured deposits / deposits | 9.33% (p12 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.04% (p47 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.13% (p72 of band) | 11.76% |
| Unrealized securities loss / equity | -0.09% (p90 of band) | -6.57% |
| AOCI / equity | 0.00% (p71 of band) | |
| ROA (annualized) | 1.38% (p62 of band) | 1.17% |
| Net interest margin | 5.20% (p93 of band) | 3.93% |
| Efficiency ratio | 60.03% (p36 of band) | |
| Noncurrent loans | 2.21% (p87 of band) | 0.36% |
| Net charge-offs (annualized) | 0.09% (p86 of band) | |
| Reserve coverage of noncurrent | 84.32% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 20.15% (p53 of band) | |
| Auto loans | $7.0M (4.93% of loans; DQ 3.57%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.6% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | uninsured deposits leaving |  |
| 2015-06 | 1 |  | uninsured deposits leaving |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | uninsured deposits leaving |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | uninsured deposits leaving |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2021-06 | 1 | reserve under noncurrent | charge-offs p90 |
| 2021-09 | 1 | capital falling | reserve under noncurrent |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | reserve under noncurrent | capital falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | reserve under noncurrent |
| 2022-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2023-03 | 3 | assets shrinking |  |
| 2023-06 | 3 | reserve under noncurrent | assets shrinking |
| 2023-09 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | reserve under noncurrent |
| 2024-06 | 2 | capital falling, reserve under noncurrent |  |
| 2024-09 | 0 |  | capital falling, reserve under noncurrent |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | reserve under noncurrent |  |
| 2025-06 | 0 |  | reserve under noncurrent |
| 2025-09 | 1 | loans exceed deposits |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | reserve under noncurrent |  |
| 2026-06 | 3 | liquid assets <10% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-11 [Why America’s Smallest Bank, Family-Run for 106 Years, Failed - Barron's](https://news.google.com/rss/articles/CBMid0FVX3lxTE9XM2ZKNF9CNDRzNkVfcWJCYlk2M1VadmhKMVl0M1NjSkE0QXlJeHdTWFhZWGxZYlB2X2I5ME9OWEF6Zl9mQ3pZZTlUdlJJQW1BQkFrUks5eVJrXzBkaERaSWxxbFBCdndMVWdyS091QzJPZk5GaTY0?oc=5) · Barron's
- 2026-01-07 [Fred Hertzer Obituary - Port St. Lucie, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOZVRjWDZDUDRJWm96a205X0l0SlJUWWZMSU40dldHRDV0cUFnTXE3cnZGNzZDSTVlZWpKLUsxa0pUQWJYSkhDNWlaN0twRUk3REFPVHg2dVhMemFSS3BhaFBjbThRc2xOcktJTHc1aERFVXJOakloOHN0a1p4ZVJVV3FSLXFpbkxD?oc=5) · Dignity Memorial
- 2015-02-24 [Family Bank announces bank officer promotions - Sowegalive](https://news.google.com/rss/articles/CBMihwFBVV95cUxNWEh5MkJjSWwtbjJmOHpOYTRJeDJjYTVuUnlEV0RfNUptQzRaTTExaFFuVXNEeXJkN2d2VkdGODdGUmxiNThJWU5lVkxKcGtDVy1rcXVJVmVIN0xnUGFhbHcyVVhOenhFdjZzYmxYWTg3cXI1NlhoOXFOTzJnaXBiSHdEUDFRbmc?oc=5) · Sowegalive
- 2023-07-25 [Thief uses fake ID to steal over $23K from bank account while metro family was on vacation - WSB-TV](https://news.google.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?oc=5) · WSB-TV
- 2023-08-09 [Marjorie Taylor Greene Says She Has Biden Family Bank Statements - Newsweek](https://news.google.com/rss/articles/CBMijAFBVV95cUxONVZKR0FMVF8xcmdSMURYdGszT3F0UUJXYVNnVzlDSWdQOFVuc0lGS3BCMUxNZi16THktQlpaSEJRMWdXUFdxRDhRdTl1dUFFN1Rib2NLeUZnQ3RyWVhwMGhkREw5ank5NVpCMGVnbDVuMnVUWE5qWGkwTk8xOTdNTEE3WWFnNVdPOGpEdw?oc=5) · Newsweek
- 2024-02-26 [Jacob Rothschild, financier from a family banking dynasty, dies at 87 - WRBL](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQUmJsTHUwSTgybTlaUW1HS3ZPckdCd0o0VTVJdmV2cUF2TXZ6ekN0SjJ2VjBwWW9NU3lXczdELVFadEZjU2Q2aGlCMmRwRlFFNVNNc1Z5azZvQ2JiSDQycmZuVzMxbklDb01NWmJGWkJSUFpPLUVXYm02eG1ObTAyUWpERmUtRjM4S2s3cGlQM2pnVEtwUThkZDJLdHpKUWRoMHlnTTFLaWxmX3fSAbABQVVfeXFMUE5kRGktblJsY1dxUUpvOVc3cmk5V3RNbzVwTlR6M09jaGhiZGdWdFhwZl9vZ29DWERYYmoySmRRLVktdEc1Unk3dnBjQXRXV2hMbUZBc293VlNqY2hIYUM1MEpCRWFGVnFLOUQ3V2xobEdCOXYtZ2ZxSU9rcEJjT2o3SkFSd0ppYzNYb3NoYzY1RjZMS3FJNXVwVzlyV2ZpT1pBazg4Z09DV0ltZDRnZDQ?oc=5) · WRBL
- 2026-01-29 [Top Family Banks: Greenville, SC (KABOOM Awards Winners) - Kidding Around Greenville](https://news.google.com/rss/articles/CBMikgFBVV95cUxPdENWRVhGeWJ6bVNJZFRvUTVFaTZOcUx0WlljNmRvVU4wOHJ0aU91MnFRUU9fZmtWZXliLV9Jakw1ODROakZid1RlMjZBRmRoWTJ4WlVLX0p6U1JzNC0yVEhkSTZKakNwMnVjeVVKRUhjclFsdWtYUzZmeUk2UkdhUGNZOW53RWU4dWU1SEJaZ1BSZw?oc=5) · Kidding Around Greenville
- 2016-03-30 [Bainbridge man sentenced for bank robbery - Valdosta Today](https://news.google.com/rss/articles/CBMilAFBVV95cUxQdWVQUXZiNHVuRk56d0hRV3M1TG8teUpkZFlpd0pXWE5KZkNCOXRYVmNicEc5MXJJRDMwUGpxdkEwQzNJcU9XYmtzMElCSHpiOTBZOUMzT1JrWGc3RW43SHRlcmttZzZiZEZRX2JzZUVIZ1AtWXVOemJHREZvM3dYMDZoU3IzMUdhdWJQem5pZ2pRWnRB?oc=5) · Valdosta Today

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29357 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "29357", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide