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Thomasville National Bank

Thomasville, GeorgiaFDIC Cert #34068

OCCEstablished 19954 branches

Holding company: THOMASVILLE BANCSHARES INCRegulator: OCC

FDICCERT + OFFDOM

What's happening here

As of Q1 2026FDICCall Report

Thomasville National Bank reported $2.1B in total assets. Deposits grew 9.01% over the prior year.

Return on assets was 2.37%, compared with the official FFIEC UBPR peer median of 1.24%. The leverage ratio was 10.17%.

  • Why is Efficiency Ratio below its official FFIEC UBPR peers?
  • Why is Total Assets above its official FFIEC UBPR peers?
  • Why is Noncurrent Loan Ratio below its official FFIEC UBPR peers?

Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.

Latest reported quarter

Key metrics

Assets
$2.1B
+10.3%y/y
Percentile by value75th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICASSET
Deposits
$1.79B
+9.0%y/y
Percentile by value75th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICDEP
Net loans
$1.75B
+12.3%y/y
Percentile by value84th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSNET
ROA
2.37%
+16 bpsy/y
Peer standing96th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNETINC + ROA
Efficiency
37.88%
−192 bpsy/y
Peer standing95th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNONIX + NIM + NONII + EEFFR
Leverage
10.17%
+58 bpsy/y
Peer standing43rd percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICRBC1AAJ

Percentiles compare this bank with 525 ffiec ubpr peer group 4 — insured commercial banks having assets between $1 billion and $3 billion.

Side-by-side comparison

Thomasville National Bank beside its official FFIEC UBPR peers

The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.

FFIEC + FDICUBPR membership + Call Report metrics
ROA

This bank

2.37%

Registry median

1.24%
ROE

This bank

23.94%

FFIEC trimmed average

12.61%
NIM

This bank

4.09%

Registry median

3.74%
Loans YoY

This bank

+12.25%

FFIEC trimmed average

+7.26%
Leverage

This bank

10.17%

FFIEC trimmed average

10.68%

FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.

FDICCall Report

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$1.4B$1.23B
Q3 2021$1.42B$1.25B
Q4 2021$1.46B$1.3B
Q1 2022$1.5B$1.32B
Q2 2022$1.58B$1.4B
Q3 2022$1.56B$1.36B
Q4 2022$1.54B$1.33B
Q1 2023$1.57B$1.33B
Q2 2023$1.58B$1.34B
Q3 2023$1.58B$1.35B
Q4 2023$1.65B$1.42B
Q1 2024$1.74B$1.51B
Q2 2024$1.76B$1.52B
Q3 2024$1.82B$1.57B
Q4 2024$1.89B$1.65B
Q1 2025$1.9B$1.64B
Q2 2025$1.93B$1.63B
Q3 2025$1.98B$1.67B
Q4 2025$2.09B$1.8B
Q1 2026$2.1B$1.79B

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$211M
Investor CRE$229M
Multifamily$67.4M
Construction$254M
1–4 family$665M
C&I$263M
Agriculture$79.3M
Other$20.1M

FFIEC UBPR comparison

How this bank compares

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
96th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.65%Median 1.24%90th 2.04%Observations 525
ROE
FDICNETINC + ROE
95th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 6.55%Median 12.35%90th 20.15%Observations 525
NIM
FDICNIM + NIMY
72nd percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.96%Median 3.74%90th 4.63%Observations 525
Efficiency
FDICNONIX + NIM + NONII + EEFFR
95th percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 44.09%Median 59.83%90th 76.32%Observations 525
Deposits YoY
FDICDEP
70th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −2.14%Median +5.35%90th +19.38%Observations 524
Loans YoY
FDICLNLSNET
77th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −1.07%Median +6.46%90th +18.14%Observations 522
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
34th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.06%Median 0.52%90th 1.95%Observations 523
Leverage
FDICRBC1AAJ
42nd percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.84%Median 10.43%90th 13.44%Observations 525

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
32nd percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.74%Median 2.62%90th 3.59%Observations 524
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
52nd percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 104%Median 233%90th 354%Observations 398

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.

Branches & markets

Physical footprint

Domestic offices
4 branches
Headquarters
Thomasville, GA
FDICOFFDOMOpen the Georgia dashboard →

History

Institution established

Filings

Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data