Thomasville, GA · Cert 34068 · Thomasville Bancshares Inc.
National charter · OCC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
51
Asset Quality
79
Profitability
92
Liquidity
27
Efficiency
98
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 34068 · Thomasville Bancshares Inc.
National charter · OCC · 4 branches
Q2 2026
Market Position · Brunswick-St. Simons, GA · 2026 SOD (annual) · 7.1% share · #8 of 14 inst. · $0.2B of $3.4B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.21% | 2.22% | 2.22% | 2.34% | 2.36% | 2.28% | 2.37% | 2.40% | +6 bps | |
| Return on Equity | 23.69% | 23.80% | 23.51% | 24.22% | 24.14% | 23.44% | 23.94% | 23.80% | -42 bps | |
| Net Interest Margin | 3.71% | 3.63% | 3.89% | 4.10% | 4.06% | 3.96% | 4.00% | 4.07% | -3 bps | |
| Efficiency Ratio | 42.09% | 41.23% | 39.80% | 38.91% | 38.58% | 38.78% | 37.88% | 38.27% | -64 bps | |
| Non-Interest Burden | 0.87% | 0.81% | 0.79% | 0.81% | 0.80% | 0.79% | 0.72% | 0.75% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.25% | 14.87% | 8.97% | 9.22% | 9.12% | 10.35% | 10.28% | 13.16% | +394 bps | |
| Loan Growth (YoY) | 10.96% | 8.55% | 11.11% | 11.98% | 12.94% | 14.70% | 12.32% | 12.38% | +40 bps | |
| Deposit Growth (YoY) | 16.20% | 15.68% | 8.84% | 6.84% | 6.38% | 9.04% | 9.01% | 14.82% | +799 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.08% | 0.11% | 0.17% | 0.30% | 0.23% | 0.30% | 0.22% | +5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 2.10% | 2.11% | 2.08% | 2.03% | 2.01% | 2.16% | 2.14% | 2.08% | +5 bps | |
| Allowance Coverage of NPLs | 15.1x | 25.3x | 19.6x | 11.7x | 6.8x | 9.5x | 7.1x | 9.3x | -2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.36% | 9.03% | 9.59% | 10.29% | 10.17% | 9.85% | 10.17% | 10.75% | +46 bps | |
| Total Risk-Based Capital | 12.64% | 12.61% | 12.92% | 12.79% | 13.07% | 12.90% | 13.23% | 13.87% | +108 bps | |
| Equity / Assets | 9.44% | 9.17% | 9.68% | 10.16% | 10.05% | 9.64% | 10.19% | 10.39% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.27% | 93.38% | 96.96% | 101.44% | 102.21% | 98.22% | 99.90% | 99.29% | -215 bps | |
| Liquid Assets / Assets | 9.61% | 13.85% | 11.20% | 9.64% | 9.09% | 10.91% | 10.04% | 10.03% | +39 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 365% | 374% | 363% | n/a | n/a | |
Thomasville, GA · Cert 34068 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Thomasville Bancshares Inc.
National charter · OCC · 4 branches
Q2 2026
Return on Assets
2.33%
Rank 6 of 176
Net Interest Margin
4.07%
Rank 30 of 176
Efficiency Ratio
38.27%
Rank 5 of 176
Equity / Assets
10.39%
Rank 85 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.33% | 0.93% | 1.26% | 1.54% | Beats 97% | 6 / 176 | ||
| Return on Equity | 22.46% | 9.26% | 11.89% | 14.46% | Beats 97% | 5 / 176 | ||
| Net Interest Margin | 4.07% | 3.25% | 3.59% | 3.93% | Beats 83% | 30 / 176 | ||
| Efficiency Ratio | 38.27% | 52.79% | 59.55% | 67.66% | Beats 98% | 5 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.22% | 0.30% | 0.64% | 1.32% | Beats 84% | 29 / 176 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 73% | 49 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.60% | 11.15% | 12.72% | 14.15% | Beats 47% | 93 / 176 | ||
| Total Risk-Based Capital Ratio | 13.87% | 11.81% | 13.63% | 15.33% | Beats 53% | 82 / 176 | ||
| Equity / Assets | 10.39% | 9.16% | 10.35% | 11.80% | Beats 52% | 85 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.29% | 80.94% | 89.73% | 97.21% | 81st pctl | 33 / 176 | ||
| Loans / Assets | 85.02% | 69.25% | 75.12% | 80.82% | 93rd pctl | 13 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||