Thomasville National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 6.6% to $211.8M. Within Georgia, Thomasville National Bank is 71st of 79 on CET1 ratio, 12.60% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Thomasville National Bank sits 0.88 points lower, at 12.60% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.60% |
| Tier 1 risk-based capital ratio | 12.60% |
| Total risk-based capital ratio | 13.87% |
| Tier 1 leverage ratio | 10.75% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $222.6M |
| Tier 1 capital | $222.6M |
| Total risk-based capital | $245.0M |
| Total equity capital | $226.5M |
| Risk-weighted assets | $1.77B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.39% |
| Tangible equity to tangible assets | 10.22% |
| Equity capital to average assets | 10.91% |
| Internal capital growth rate | 24.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.0M |
| Common stock surplus | $10.9M |
| Retained earnings | $211.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$108K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.74% | 10.74% | 12.00% | 9.40% | $1.36B |
| Q4 2023 | 10.50% | 10.50% | 11.76% | 9.05% | $1.40B |
| Q1 2024 | 11.32% | 11.32% | 12.58% | 9.23% | $1.38B |
| Q2 2024 | 11.20% | 11.20% | 12.46% | 9.53% | $1.48B |
| Q3 2024 | 11.38% | 11.38% | 12.64% | 9.36% | $1.47B |
| Q4 2024 | 11.35% | 11.35% | 12.61% | 9.03% | $1.49B |
| Q1 2025 | 11.66% | 11.66% | 12.92% | 9.59% | $1.54B |
| Q2 2025 | 11.53% | 11.53% | 12.79% | 10.29% | $1.66B |
| Q3 2025 | 11.81% | 11.81% | 13.07% | 10.17% | $1.65B |
| Q4 2025 | 11.63% | 11.63% | 12.90% | 9.85% | $1.70B |
| Q1 2026 | 11.96% | 11.96% | 13.23% | 10.17% | $1.75B |
| Q2 2026 | 12.60% | 12.60% | 13.87% | 10.75% | $1.77B |
Thomasville National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Thomasville National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Thomasville National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34068) · FFIEC NIC profile (RSSD 2344753)