Thomas County Federal Savings & Loan Association
Thomasville, GA · Cert 29331 · Peer group: banks under $1B in assets operating regionally (n=105)
FDIC · 4 branches
Q3 2025
$559.5MAssets
$413.1MLoans
$483.0MDeposits
$57.0MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 80% of banks under $1B in assets operating regionally (rank 21 of 105).
- Widest gap: return on assets trails 89% of banks under $1B in assets operating regionally (rank 93 of 105).
- Overall: at or above the peer median on 4 of 10 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $15.0M · efficiency ratio beats 12% of banks under $1B in assets operating regionally | 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 | |