Thomasville National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Thomasville National Bank of Thomasville, GA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.51% | 1.46% | +1.05% | 96th top |
| ROAE | 23.68% | 12.71% | +10.97% | 94th top |
| Net Interest Margin | 4.22% | 3.85% | +0.37% | 80th top |
| Efficiency Ratio | 38.64% | 57.42% | -18.78% | 94th top |
| PPNR / Avg Assets | 3.37% | 1.88% | +1.49% | 97th top |
| Yield on Earning Assets | 6.38% | 5.72% | +0.66% | 87th top |
| Cost of Funds | 2.38% | 2.02% | +0.36% | 26th below |
| Net Interest Spread | 3.65% | 3.18% | +0.47% | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 1.00% | -0.78% | 80th top |
| NPA / Total Assets | 0.21% | 0.76% | -0.55% | 75th top |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 53rd above |
| ACL / Total Loans | 2.08% | 1.31% | +0.77% | 96th top |
| ACL / NPLs (Coverage) | 930.10% | 543.02% | +387.08% | 90th top |
| Texas Ratio | 1.76% | 7.39% | -5.63% | 80th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 420.17% | 618.80% | -198.63% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.60% | 17.34% | -4.74% | 35th below |
| Tier 1 Ratio | 12.60% | 17.37% | -4.77% | 35th below |
| Total Capital Ratio | 13.87% | 18.42% | -4.55% | 37th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.75% | 11.44% | -0.69% | 56th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.39% | 11.34% | -0.95% | 50th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.22% | 10.50% | -0.28% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.29% | 86.94% | +12.35% | 20th bottom |
| Core Deposit Ratio | 85.53% | 85.55% | -0.02% | 36th below |
| Uninsured Deposit Ratio | 38.70% | 33.12% | +5.58% | 31st below |
| Wholesale Funding Ratio | 3.49% | 5.71% | -2.22% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.16% | 9.68% | +3.48% | 84th top |
| Loan Growth (Y/Y) | 12.38% | 8.05% | +4.33% | 79th top |
| Deposit Growth (Y/Y) | 14.82% | 7.86% | +6.96% | 85th top |
See Thomasville National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Thomasville National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Thomasville National Bank profile, how to read a UBPR, or how this data updates.