Thomasville National Bank
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
$2.2BAssets
$1.9BLoans
$1.9BDeposits
$226.5MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 98% of banks $1B-$10B in assets operating regionally (rank 5 of 176).
- Widest gap: tier 1 capital ratio trails 53% of banks $1B-$10B in assets operating regionally (rank 93 of 176).
- Overall: at or above the peer median on 8 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $15.6M · efficiency ratio beats 98% of banks $1B-$10B in assets operating regionally | 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 |