BlastPoint's Banking Scorecard

Thomasville National Bank

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

Designations: ✓ Community bank

Thomasville, GA

4 branches across GA · FL

884 banks in the $1B-$10B peer group nationally 11 in GA

Thomasville National Bank shows strong momentum with 5 strengths and 10.3% YoY asset growth

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

+ Revenue Diversifier: Top 24.9% in tier
+ Profitability Leader: Top 31.2% in tier
+ Efficiency Ratio 23.18% below tier average
+ Net Interest Margin 0.27% above tier average
+ Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Thomasville National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$2.1B +10.3% YoY +0.4% QoQ	-$720.5M	$2.8B -0.1% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	53%
Total Loans ?	$1.8B +12.3% YoY +1.4% QoQ	-$214.1M	$2.0B +0.6% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	61%
Total Deposits ?	$1.8B +9.0% YoY -0.4% QoQ	-$552.5M	$2.3B -0.3% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	54%
Return on Assets ?	2.37% +7.1% YoY +4.0% QoQ	+1.01%	1.37% +19.6% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	Top 4.8% in tier
Net Interest Margin ?	4.09% +2.4% YoY -2.5% QoQ	+0.27%	3.82% +6.9% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	76%
Efficiency Ratio ?	37.88% -4.8% YoY -2.3% QoQ	-23.18%	61.06% -4.6% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	Top 5.9% in tier
Delinquency Rate ?	0.31% +183.5% YoY +31.8% QoQ	-0.58%	0.89% +14.1% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	69%
Loan-to-Deposit Ratio ?	97.76% +3.0% YoY +1.7% QoQ	+13.56%	84.20% +0.3% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	18%
Non-Interest-Bearing Deposit Share ?	15.54% -1.7% YoY -3.9% QoQ	-5.75%	21.29% -2.5% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	30%
Nonperforming Asset Ratio ?	0.26% +188.6% YoY +19.4% QoQ	-0.42%	0.67% +15.6% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	68%
Tier 1 Capital Ratio ?	11.96% +2.6% YoY +2.8% QoQ	-3.20%	15.16% +2.0% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.31% +1.8% YoY -73.1% QoQ	+0.06%	0.26% +1.6% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	Top 12.6% in tier

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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 (2)

Revenue Diversifier

growth

#56 of 221 • Top 24.9% 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: 0.31%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 2.37%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#70 of 221 • Top 31.2% in tier

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

Why this signature

Return on Assets: 2.37%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (4 metrics)

Return on Assets

profitability

Value: 2.37%

Peer Median: 1.37%

#43 of 884 Top 4.8% in $1B-$10B

Efficiency Ratio

profitability

Value: 37.88%

Peer Median: 61.06%

#53 of 884 Top 5.9% in $1B-$10B

112

Non-Interest Income / Assets

revenue_mix

Value: 0.31%

Peer Median: 0.26%

#112 of 884 Top 12.6% in $1B-$10B

217

Net Interest Margin

profitability

Value: 4.09%

Peer Median: 3.82%

#217 of 884 Top 24.4% in $1B-$10B

Top Weaknesses (1 metrics)

729

Loan-to-Deposit Ratio

liquidity

Value: 97.76%

Peer Median: 84.20%

#729 of 884 Bottom 17.6% in $1B-$10B