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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.10% | 2.23% | 2.22% | 2.47% | 2.40% | 2.10% | 2.37% | 2.44% | -4 bps | |
| Return on Equity | 21.99% | 23.96% | 23.51% | 24.92% | 23.73% | 21.29% | 23.94% | 23.68% | -125 bps | |
| Net Interest Margin | 3.81% | 3.93% | 3.89% | 4.29% | 4.21% | 4.15% | 4.00% | 4.16% | -14 bps | |
| Efficiency Ratio | 46.06% | 38.91% | 39.80% | 38.08% | 37.96% | 39.32% | 37.88% | 38.65% | +56 bps | |
| Non-Interest Burden | 1.08% | 0.78% | 0.79% | 0.83% | 0.82% | 0.85% | 0.72% | 0.78% | -5 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% | 0.05% | 0.00% | 0.00% | -0.01% | 0.01% | 0.00% | 0.02% | +2 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 | |