Thomasville, GA · Cert 29331
FDIC · 4 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating regionally (n=105). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
74
Asset Quality
45
Profitability
13
Liquidity
92
Efficiency
12
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Thomasville, GA · Cert 29331
FDIC · 4 branches
Q3 2025
Market Position · Tallahassee, FL · 2025 SOD (annual) · 1.5% share · #14 of 19 inst. · $0.1B of $8.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.03% | 0.05% | 0.09% | 0.15% | 0.34% | 0.40% | 0.34% | +25 bps | |
| Return on Equity | 0.58% | 0.25% | 0.38% | 0.66% | 1.08% | 2.60% | 3.37% | 3.01% | +235 bps | |
| Net Interest Margin | 3.08% | 2.87% | 2.92% | 2.87% | 2.81% | 3.08% | 3.13% | 3.08% | +21 bps | |
| Efficiency Ratio | 95.48% | 97.05% | 95.13% | 93.54% | 92.28% | 85.37% | 83.29% | 87.37% | -617 bps | |
| Non-Interest Burden | 2.93% | 2.78% | 2.77% | 2.67% | 2.58% | 2.60% | 2.58% | 2.67% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.61% | 10.47% | 13.14% | 17.68% | 10.60% | 13.88% | 18.40% | 8.13% | -955 bps | |
| Loan Growth (YoY) | 10.75% | 12.82% | 13.32% | 9.51% | 8.69% | 6.38% | 6.99% | 5.23% | -428 bps | |
| Deposit Growth (YoY) | 9.46% | 9.59% | 13.96% | 19.09% | 14.09% | 16.30% | 22.88% | 12.51% | -658 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 0.32% | 0.15% | 0.14% | 0.73% | 0.72% | 0.69% | 1.31% | +117 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.02% | 0.01% | -0.08% | -0.09% | -0.03% | -0.02% | -0.02% | +6 bps | |
| Allowance / Loans | 1.28% | 1.28% | 1.28% | 1.33% | 1.26% | 1.28% | 1.23% | 1.21% | -11 bps | |
| Allowance Coverage of NPLs | 3.8x | 4.0x | 8.7x | 9.2x | 1.7x | 1.8x | 1.8x | 0.9x | -8.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.16% | 14.56% | 14.41% | 13.98% | 13.64% | 13.41% | 10.55% | 10.26% | -372 bps | |
| Total Risk-Based Capital | 20.96% | 20.57% | 20.35% | 19.92% | 19.45% | 19.33% | 15.32% | 15.60% | -432 bps | |
| Equity / Assets | 14.10% | 13.90% | 13.75% | 13.11% | 13.21% | 12.92% | 9.72% | 10.19% | -292 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.14% | 98.25% | 97.84% | 91.44% | 94.44% | 89.86% | 85.19% | 85.52% | -592 bps | |
| Liquid Assets / Assets | 4.85% | 4.49% | 4.31% | 7.74% | 2.31% | 3.40% | 7.12% | 5.41% | -233 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 392% | n/a | n/a |
Thomasville, GA · Cert 29331 · Peer group: banks under $1B in assets operating regionally (n=105)
FDIC · 4 branches
Q3 2025
Return on Assets
0.34%
Rank 93 of 105
Net Interest Margin
3.08%
Rank 87 of 105
Efficiency Ratio
87.37%
Rank 93 of 105
Equity / Assets
10.19%
Rank 40 of 105
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.34% | 0.64% | 1.02% | 1.37% | Beats 11% | 93 / 105 | ||
| Return on Equity | 3.31% | 6.69% | 10.12% | 13.79% | Beats 12% | 92 / 105 | ||
| Net Interest Margin | 3.08% | 3.21% | 3.58% | 4.10% | Beats 17% | 87 / 105 | ||
| Efficiency Ratio | 87.37% | 58.40% | 65.63% | 78.63% | Beats 12% | 93 / 105 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.31% | 0.15% | 0.48% | 1.03% | Beats 21% | 84 / 105 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 68% | 35 / 105 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.35% | 10.52% | 12.10% | 14.17% | Beats 79% | 22 / 105 | ||
| Total Risk-Based Capital Ratio | 15.60% | 10.80% | 12.58% | 15.17% | Beats 80% | 21 / 105 | ||
| Equity / Assets | 10.19% | 8.45% | 9.65% | 10.96% | Beats 62% | 40 / 105 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.52% | 74.32% | 84.10% | 93.72% | 52nd pctl | 50 / 105 | ||
| Loans / Assets | 73.83% | 65.08% | 70.55% | 79.54% | 63rd pctl | 39 / 105 | ||
| Brokered Deposits / Deposits | 6.61% | n/a | 0.09% | 5.98% | Beats 24% | 81 / 105 | n/a | |