BlastPoint's Banking Scorecard
Thomasville National Bank
Community
Specialty: Commercial
GA
FDIC cert 34068
Thomasville, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
Thomasville National Bank shows strong momentum with 3 strengths and 10.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 21% in Community
- + Profitability Leader: Top 38% in Community
- + Efficiency Ratio 23.86% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+10.3% YoY
+5.3% QoQ
|
+$695.4M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$1.7B
+14.6% YoY
+3.1% QoQ
|
+$751.9M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Top 15% in tier |
| Total Deposits ? |
$1.8B
+9.0% YoY
+7.4% QoQ
|
+$632.9M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
2.28%
+3.1% YoY
-3.2% QoQ
|
+1.12% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.20%
+5.1% YoY
-0.1% QoQ
|
+0.53% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
38.78%
-6.0% YoY
+0.5% QoQ
|
-23.86% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.23%
+173.3% YoY
-22.9% QoQ
|
-0.40% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
96.10%
+5.1% YoY
-4.1% QoQ
|
+13.03% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
16.18%
+1.4% YoY
+3.5% QoQ
|
-4.87% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.21%
+216.4% YoY
-15.9% QoQ
|
-0.28% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
11.63%
+2.5% YoY
-1.5% QoQ
|
+1.39% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
43% |
| Non-Interest Income / Assets ? |
1.17%
+1.4% YoY
+29.1% QoQ
|
+0.43% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#78 of 371 · Top 21% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.17%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.28%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Profitability Leader
growth
#143 of 371 · Top 38% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.28%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 4%
in Community
Why this stands out
Current:
38.78%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Efficiency Ratio
Current: 38.78% · Tier avg: 62.63%
95
95th pctile
Return on Assets
Current: 2.28% · Tier avg: 1.16%
90
90th pctile
Non-Interest Income / Assets
Current: 1.17% · Tier avg: 0.74%
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
79
79th pctile
Loan-to-Deposit Ratio
Current: 96.10% · Tier avg: 83.06%
77
77th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.66%
68
68th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.63%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
43
43th pctile
Tier 1 Capital Ratio
Current: 11.63% · Tier avg: 10.24%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.18% · Tier avg: 21.05%
Top Weaknesses
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.18% · Tier avg: 21.05%
43
43th pctile
Tier 1 Capital Ratio
Current: 11.63% · Tier avg: 10.24%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
68
68th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.63%
77
77th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.66%
79
79th pctile
Loan-to-Deposit Ratio
Current: 96.10% · Tier avg: 83.06%
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
90
90th pctile
Non-Interest Income / Assets
Current: 1.17% · Tier avg: 0.74%
95
95th pctile
Return on Assets
Current: 2.28% · Tier avg: 1.16%
96
96th pctile
Efficiency Ratio
Current: 38.78% · Tier avg: 62.63%