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Thomasville National Bank

$1B-$10B Specialty: Commercial GA FDIC cert 34068

Designations: ✓ Community bank

Thomasville, GA

4 branches across GA · FL

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 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in GA.
  • Deposits +14.8% year over year ($1.9B on the books).
  • Delinquency rate 0.23%.
  • Return on assets 2.40%.
  • Efficiency ratio 38.27% vs a 59.73% peer average.
  • Loan-to-deposit ratio 97.22% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 12 in GA
View $1B-$10B leaderboard (GA) →

Thomasville National Bank has 5 strengths but faces 1 concern

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

  • + Credit Quality Leader: Top 8.1% in tier
  • + Revenue Diversifier: Top 27.5% in tier
  • + Profitability Leader: Top 41.9% in tier
  • + Efficiency Ratio 21.46% below tier average
  • + Net Interest Margin 0.25% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 12.8% in tier
Get updates when Thomasville National 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 ? $2.2B
+13.2% YoY +4.1% QoQ
-$611.9M $2.8B
-0.6% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
54%
Total Loans ? $1.8B
+12.3% YoY +3.7% QoQ
-$147.2M $2.0B
-0.3% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
62%
Total Deposits ? $1.9B
+14.8% YoY +4.3% QoQ
-$451.0M $2.3B
-0.5% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
56%
Return on Assets ? 2.40%
+2.4% YoY +1.0% QoQ
+1.01% 1.39%
+17.0% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
Top 4.6% in tier
Net Interest Margin ? 4.12%
-1.0% YoY +0.7% QoQ
+0.25% 3.87%
+6.2% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
74%
Efficiency Ratio ? 38.27%
-1.6% YoY +1.0% QoQ
-21.46% 59.73%
-12.6% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
Top 5.9% in tier
Delinquency Rate ? 0.23%
+28.4% YoY -25.7% QoQ
-0.64% 0.87%
+11.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
76%
Loan-to-Deposit Ratio ? 97.22%
-2.2% YoY -0.6% QoQ
+12.19% 85.04%
-0.1% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
21%
Non-Interest-Bearing Deposit Share ? 16.30%
-0.9% YoY +4.9% QoQ
-4.97% 21.27%
-1.5% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
32%
Nonperforming Asset Ratio ? 0.21%
+41.3% YoY -18.0% QoQ
-0.46% 0.67%
+11.7% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
71%
Tier 1 Capital Ratio ? 12.60%
+9.3% YoY +5.4% QoQ
-2.24% 14.84%
-0.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
43%
Non-Interest Income / Assets ? 0.62%
+0.3% YoY +97.3% QoQ
+0.09% 0.53%
+2.5% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
Top 12.5% in tier

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 16.3%
-0.1pp YoY
+0.8pp QoQ
 -5.1pp 21.4% 26.2% 22.2% 32%
Brokered Deposits 2.6%
-0.1pp YoY
-0.1pp QoQ
 -6.8pp 9.5% 7.5% 8.5% 32%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 15.2%
-1.8pp YoY
+0.2pp QoQ
 +1.2pp 14.0% 9.7% 12.5% 68%
CRE 43.5%
+1.8pp YoY
0.0pp QoQ
 -6.5pp 50.0% 48.9% 41.4% 31%
1-4 Family 37.8%
-0.1pp YoY
-0.2pp QoQ
 +11.4pp 26.4% 31.7% 31.3% 79%
Consumer 1.0%
0.0pp YoY
0.0pp QoQ
 -3.7pp 4.7% 4.8% 5.0% 47%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 12.6%
+1.1pp YoY
+0.6pp QoQ
 -3.0pp 15.6% 20.9% 19.7% 34%
Leverage Ratio 10.7%
+0.5pp YoY
+0.6pp QoQ
 -0.6pp 11.3% 14.0% 12.6% 55%
Total Capital Ratio 13.9%
+1.1pp YoY
+0.6pp QoQ
 -2.8pp 16.7% 22.1% 20.8% 37%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 167
+13 (+8.4%) YoY
+7 (+4.4%) QoQ
 -147 313 98 482 30%
Assets per Employee ($) $13.1M
+4.3% YoY
-0.3% QoQ
 +$2.6M $10.5M $7.5M $8.8M 84%
Branch Count 4
0 YoY
0 QoQ
 -16 20 6 18 10%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 0.2%
+0.1pp YoY
-0.1pp QoQ
 -0.6pp 0.8% 0.8% 1.0% 24%
Allowance Coverage 9.30x
-20.3% YoY
+30.5% QoQ
 -9.41x 18.71x 38.10x 20.23x 87%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 34%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 23.8%
-0.4pp YoY
-0.1pp QoQ
 +11.2pp 12.6% 13.6% 11.6% 96%
Cost of Funds (YTD) 2.2%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.9% 1.6% 1.7% 70%
Net Income ($, YTD) $25.4M
+13.9% YoY
— QoQ
 +$6.2M $19.2M $6.6M $40.4M 78%

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 (3)

Credit Quality Leader

growth
#19 of 221 • Top 8.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.23%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ

Revenue Diversifier

growth
#62 of 222 • Top 27.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.62%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 2.40%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Profitability Leader

growth
#94 of 222 • Top 41.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.40%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Credit Quality Pressure

risk
#64 of 492 • Bottom 12.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.23%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

42
Return on Assets
profitability
Value: 2.40%
Peer Median: 1.39%
#42 of 885 Top 4.6% in $1B-$10B
53
Efficiency Ratio
profitability
Value: 38.27%
Peer Median: 59.73%
#53 of 885 Top 5.9% in $1B-$10B
112
Non-Interest Income / Assets
revenue_mix
Value: 0.62%
Peer Median: 0.53%
#112 of 885 Top 12.5% in $1B-$10B
209
Delinquency Rate
credit_quality
Value: 0.23%
Peer Median: 0.87%
#209 of 882 Top 23.6% in $1B-$10B

Top Weaknesses (1 metrics)

703
Loan-to-Deposit Ratio
liquidity
Value: 97.22%
Peer Median: 85.04%
#703 of 885 Bottom 20.7% in $1B-$10B
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