Thomasville National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 3.62 percentage points in Q2 2026, from 102.38% to 106.00%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Thomasville National Bank ranks 11th highest among the 122 banks headquartered in Georgia, at 99.29% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Thomasville National Bank sits 11.08 points higher, at 99.29% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.85B |
| Net loans and leases | $1.82B |
| Loans held for sale | $0 |
| Loans to total assets | 85.02% |
| Loan-to-deposit ratio | 99.29% |
| Net loans to equity capital | 8.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.63% |
| Multifamily (5+ residential) | 4.02% |
| Commercial and industrial | 14.86% |
| Consumer | 1.01% |
| Credit cards | 0.00% |
| Farm | 4.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 221.49% |
| Construction concentration (Tier 1 capital + allowance) | 106.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.68% |
| Interest income on loans | $30.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.36B | $1.35B | 25.72% | 16.82% | 1.35% |
| Q4 2023 | $1.42B | $1.42B | 24.28% | 17.02% | 1.24% |
| Q1 2024 | $1.43B | $1.51B | 24.67% | 16.70% | 1.36% |
| Q2 2024 | $1.47B | $1.52B | 24.62% | 17.04% | 1.29% |
| Q3 2024 | $1.51B | $1.57B | 25.37% | 16.65% | 1.17% |
| Q4 2024 | $1.54B | $1.65B | 25.53% | 17.26% | 1.20% |
| Q1 2025 | $1.59B | $1.64B | 25.43% | 16.63% | 1.16% |
| Q2 2025 | $1.65B | $1.63B | 25.25% | 16.67% | 1.04% |
| Q3 2025 | $1.71B | $1.67B | 24.64% | 15.55% | 1.05% |
| Q4 2025 | $1.77B | $1.80B | 24.11% | 15.84% | 0.97% |
| Q1 2026 | $1.79B | $1.79B | 24.61% | 14.69% | 0.98% |
| Q2 2026 | $1.85B | $1.87B | 23.63% | 14.86% | 1.01% |
Thomasville National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Thomasville National Bank, freeSource: Call Report Schedule RC-C, 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)