TellerScore

Headquartered in Thomasville, Georgia, Thomasville National Bank is a national bank with $2.2B in total assets and $1.9B in deposits as of Q2 2026. It operates 4 offices across 2 states. Its charter dates back to 1995.

Thomasville National Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 897 banks with $1 billion – $10 billion. Among 124 banks headquartered in Georgia, it ranks 57th. Earnings contributes the most (100/100, 2.40%); funding & liquidity contributes the least (37/100, 97% loans-to-deposits, 39% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Tier 1 leverage ratio: 10.75%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.22%
Earnings100/100
Return on assets (annualized): 2.40%
Funding & liquidity37/100
Loans ÷ deposits and uninsured-deposit share: 97.2% · 38.7% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.73%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (74 → 76), mostly because the capital cushion component improved by 4 points.

TellerScore
727476Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202472
Q4 202472
Q1 202573
Q2 202574
Q3 202573
Q4 202573
Q1 202673
Q2 202676
Tier 1 leverage ratio
5.00%7.87%10.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.53%
Q3 20249.36%
Q4 20249.03%
Q1 20259.59%
Q2 202510.29%
Q3 202510.17%
Q4 20259.85%
Q1 202610.17%
Q2 202610.75%
Noncurrent loans
0.08%0.19%0.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.09%
Q3 20240.14%
Q4 20240.08%
Q1 20250.11%
Q2 20250.17%
Q3 20250.30%
Q4 20250.23%
Q1 20260.30%
Q2 20260.22%
Return on assets
2.21%2.31%2.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.28%
Q3 20242.21%
Q4 20242.22%
Q1 20252.22%
Q2 20252.34%
Q3 20252.36%
Q4 20252.28%
Q1 20262.37%
Q2 20262.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$2.2B10.75%0.22%2.40%97.2%
Q1 202673$2.1B10.17%0.30%2.37%97.8%
Q4 202573$2.1B9.85%0.23%2.28%96.1%
Q3 202573$2.0B10.17%0.30%2.36%100.2%
Q2 202574$1.9B10.29%0.17%2.34%99.4%
Q1 202573$1.9B9.59%0.11%2.22%94.9%
Q4 202472$1.9B9.03%0.08%2.22%91.4%
Q3 202472$1.8B9.36%0.14%2.21%94.3%
Q2 202473$1.8B9.53%0.09%2.28%94.7%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.75%
55th
Total risk-based capital13.87%
53rd
Problem loans0.22%
76th
Net charge-offs0.01%
63rd
Return on assets2.40%
95th
Net interest margin4.12%
75th
Efficiency ratio38.3%
93rd
Loans to deposits97.2%
21st
Uninsured deposits38.7%
30th
Loan-loss reserves2.08%
96th
Texas ratio1.7%
73rd

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
United BankBank Zebulon, GA89 out of 100, Very strong$2.2B12.8%0.23%vs
Queensborough National Bank & Trust CompanyBank Louisville, GA62 out of 100, Moderate$2.3B8.6%0.59%vs
PrimeSouth BankBank Blackshear, GA66 out of 100, Moderate$1.6B12.0%1.48%vs
BankSouthBank Greensboro, GA68 out of 100, Moderate$1.6B10.2%0.55%vs
PeoplesSouth BankBank Colquitt, GA69 out of 100, Moderate$1.2B10.4%1.02%vs
Georgia Banking CompanyBank Atlanta, GA64 out of 100, Moderate$3.3B10.8%0.67%vs

Deposit insurance

Is my money safe at Thomasville National Bank?

Yes. Thomasville National Bank is an FDIC-insured institution (FDIC certificate #34068). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.7% of deposits ($722.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.75%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.87% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Thomasville National Bank lists 4 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Thomasville National Bank
Type
National bank
FDIC certificate #
34068
RSSD ID
2344753
Primary regulator
OCC
Holding company
Thomasville Bancshares Inc
Established
October 2, 1995
Headquarters
301 N Broad St, Thomasville, GA 31792
Employees
167

Quick answers

Thomasville National Bank: common questions

Is Thomasville National Bank FDIC insured?

Yes. Thomasville National Bank is an FDIC-insured institution (FDIC certificate #34068). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Thomasville National Bank's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Thomasville National Bank ever failed?

There is no failure record for FDIC certificate #34068 in the FDIC failed bank list.

How many branches does Thomasville National Bank have?

4 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Thomasville

InstitutionScoreAssetsCapitalProblem loansCompare
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
Southeastern Credit UnionCredit union Valdosta, GA73 out of 100, Strong$440.7M10.8%0.41%vs
Capital City BankBank Tallahassee, FL72 out of 100, Strong$4.4B10.3%0.40%vs
Five Star Credit UnionCredit union Dothan, AL72 out of 100, Strong$1.3B13.8%1.50%vs
Midflorida Credit UnionCredit union Lakeland, FL72 out of 100, Strong$9.8B10.7%0.46%vs