Thomasville National Bank
Thomasville, Georgia · $2.18B in assets · beside the 6 other Georgia banks between $1B and $3B
The filing
Thomasville National Bank is the second largest of the 7 Georgia banks between $1B and $3B, with $2.18B in assets at 30 June 2026. Loans are 99.3% of deposits, 6th of 7 against a median of 81.1%, and equity is 10.4% of assets, 5th of 7. Loans grew +12.4% in the year, 4th of 7, and deposits grew 14.8%; the cohort's median loan growth is +12.4%.
Noncurrent loans are 0.22% of the book, 2nd of 7 against a median of 0.55%; 0.06% is 30 to 89 days past due, and the allowance covers them 9.3 times. Commercial real estate is 31.1% of loans, 3rd of 7 against a median of 35.1%, and 235% of capital, below the 300% screen, with construction at 113% against the 100% screen. CRE has grown +62.0% over 36 months, past the guidance's 50% prong.
Return on assets is 2.45%, 2nd of 7 against a median of 1.57%, on an efficiency ratio of 38.3%, the lowest in the cohort. Five years ago it was 1.69%. The question is which of these lines moves first over the next four quarters, and against which peer.
Commercial real estate against capital
| Thomasville National Bank | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 235% | 4th of 7 | 235% |
| Construction against capital, the 100% screen | 113% | 7th of 7 | 100% |
| Construction and land development, share of loans | 14.9% | 4th of 7 | 14.9% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 12.2% | 2nd of 7 | 15.7% |
| Total CRE, the guidance definition, share of loans | 31.1% | 3rd of 7 | 35.1% |
| CRE growth over 36 months, the third prong | +62.0% | 6th of 7 | +24.0% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $2.28B | 1.1% | 65.3% | 0.59% | 0.04% | 1.0% | 68.3% | 7.9% | |
| $2.18B | 2.5% | 38.3% | 0.22% | 0.01% | 2.1% | 99.3% | 10.4% | |
| $2.16B | 2.6% | 46.3% | 0.23% | 0.00% | 2.0% | 50.3% | 12.0% | |
| $1.60B | 1.9% | 47.0% | 1.48% | 0.03% | 1.4% | 99.4% | 10.9% | |
| $1.59B | 1.6% | 69.7% | 0.55% | -0.01% | 1.4% | 91.0% | 10.4% | |
| $1.21B | 1.5% | 50.9% | 1.02% | 0.01% | 1.3% | 78.1% | 6.5% | |
| $1.03B | 0.5% | 76.7% | 0.00% | 0.01% | 1.0% | 81.1% | 12.1% |
| Thomasville National Bank | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $1.08B | $1.85B | +71% | $730M | $1.24B | +70% |
| Deposits | $1.23B | $1.87B | +52% | $932M | $1.36B | +46% |
| NPA / loans | 0.13% | 0.22% | +0.09 pts | 0.43% | 0.55% | +0.12 pts |
| Efficiency | 47.0% | 38.3% | -8.8 pts | 60.1% | 50.9% | -9.1 pts |
| ROA | 1.69% | 2.45% | +0.76 pts | 1.34% | 1.57% | +0.22 pts |
This read was prepared for Thomasville National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Thomasville National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort GA banks $1B to $3B
Institution www.tnbank.com
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