Thomasville National Bank
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Data as of · sourced from FFIEC call reports. How we update
Thomasville National Bank is an FDIC-insured commercial bank headquartered in Thomasville, GA, established in 1995 (FDIC certificate 34068), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.18B, up 13.2% from Q2 2025, the 8th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 12.60% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34068
- Headquarters
- Thomasville, GA
- Established
- 1995
- Total assets, Q2 2026
- $2.18B
- Assets vs Q2 2025
- +13.2%
- CET1 ratio, Q2 2026
- 12.60%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 061204858
- Latest call report
- Q2 2026, FFIEC 051 · Thomasville National Bank call report
- Holding company
- THOMASVILLE BANCSHARES, INC
- Asset rank in state
- 8th of 121 in Georgia
Thomasville National Bank is one of the more profitable banks of its size. Based in Thomasville, Georgia, it had $2.2 billion in assets at June 30, 2026, up 13.2% from a year earlier. It earns about $2.51 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 39 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 58 cents).
Net income for the quarter rose 10% from a year earlier, to $13 million.
As of June 30, 2026, Thomasville National Bank reported a CET1 capital ratio of 12.60%, a return on assets of 2.51%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 1.76%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, Thomasville National Bank is the 8th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.1% to $2.18B, loans rose 3.7% and deposits rose 4.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 37.0% of total loans, followed by construction and land development loans at 14.9%. The FDIC Summary of Deposits lists 4 offices for it, in Thomasville, GA, Saint Simons Island, GA and Tallahassee, FL; its Thomasville 2 offices book 75% of its branch deposits. On its Q2 2026 call report, Thomasville National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 301 N Broad St, Thomasville, GA 31792
- County
- Thomas
- Metro Area
- Thomasville, GA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 2, 1995
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 167
- Domestic deposits
- $1.87B
- Allowance for credit losses
- $38.5M
- Net charge-offs (YTD)
- $119K
- Average total assets
- $2.08B
- Average total loans
- $1.83B
- Average interest-bearing deposits
- $1.50B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 2, 1995
- FDIC Cert
- 34068
- Fed RSSD
- 2344753
- SEC CIK
- 944468 → filed by THOMASVILLE BANCSHARES, INC
- Website
- www.tnbank.com →
- Parent Holding Company
- THOMASVILLE BANCSHARES, INC (RSSD 2346010)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Thomasville National Bank's total assets moved between a low of $1.58B (Q3 2023) and a high of $2.18B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.18B total assets against $1.93B; $1.95B total liabilities against $1.73B.
$1.82B net loans and leases against $1.62B; $1.87B total deposits against $1.63B.
$59.6M securities against $52.9M; $233.2M cash and balances due against $193.1M.
$32.6M total interest income against $30.9M; $11.0M total interest expense against $10.8M.
$21.5M net interest income against $20.0M.
$6.9M total noninterest income against $6.0M; $11.0M total noninterest expense against $9.9M.
$600K provision for credit losses against $600K.
$13.0M net income against $11.8M.
2.51% return on assets against 2.53%; 4.22% net interest margin against 4.35%.
12.60% CET1 capital ratio against 11.53%; 10.75% tier 1 leverage ratio against 10.29%.
Inside the full Thomasville National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Thomasville National Bank rankings
Its closest position to the top of a national ranking is 159 of 3,611, for ROA; its furthest is 1,525 of 2,134, for CET1 ratio.
Metric pages for Thomasville National Bank: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.09% (Q3 2024) to 2.53% (Q2 2025) and its net interest margin ran from 3.86% (Q3 2024) to 4.35% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.60% | 2.51% | 0.22% | 1.76% | 4.22% |
| Q1 2026 | 11.96% | 2.40% | 0.30% | 2.17% | 4.06% |
| Q4 2025 | 11.63% | 2.13% | 0.23% | 1.90% | 4.21% |
| Q3 2025 | 11.81% | 2.44% | 0.30% | 2.21% | 4.27% |
| Q2 2025 | 11.53% | 2.53% | 0.17% | 1.27% | 4.35% |
| Q1 2025 | 11.66% | 2.23% | 0.11% | 0.79% | 3.95% |
| Q4 2024 | 11.35% | 2.20% | 0.08% | 0.64% | 3.99% |
| Q3 2024 | 11.38% | 2.09% | 0.14% | 1.06% | 3.86% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Thomasville National Bank (main office) | Thomasville , GA | 31792 | $1.24B |
| St. Simons Bank & Trust Branch | Saint Simons Island , GA | 31522 | $241.9M |
| Tallahassee National Bank Branch | Tallahassee , FL | 32308 | $228.3M |
| Remington Avenue Office | Thomasville , GA | 31792 | $161.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- May 18, 2007, OCC: Civil Money Penalty (CMP): Thomasville National Bank
- Period: Most recent institution action May 18, 2007. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in GA, rank 25 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $3.8M approved, $3.8M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Thomasville National Bank
What are Thomasville National Bank's total assets?
As of the Q2 2026 filing, Thomasville National Bank reported total assets of $2.18 billion in its FFIEC call report.
Where is Thomasville National Bank headquartered?
It is headquartered in Thomasville, GA, United States.
When was Thomasville National Bank founded?
It was established in 1995, per the FDIC institution directory.
Is Thomasville National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34068). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Thomasville National Bank?
Thomasville National Bank's primary federal regulator is the OCC.
What is Thomasville National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.60% in its Q2 2026 call report, above regulatory requirements.
How many branches does Thomasville National Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Thomasville National Bank's Texas Ratio?
Its Texas Ratio is 1.76% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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