# THOMASVILLE NATIONAL BANK
THOMASVILLE, GA · FDIC certificate 34068 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.18B | |
| Deposits | $1.87B | |
| Loans and leases | $1.85B | |
| Total equity | $226.5M | |
| Loans / deposits | 97.22% (p79 of band) | 87.10% |
| Liquid assets / assets | 13.42% (p16 of band) | |
| Uninsured deposits / deposits | 38.70% (p70 of band) | 30.76% |
| Brokered deposits | 2.25% | |
| Wholesale funding | 5.73% (p49 of band) | |
| FHLB advances / assets | 3.49% | |
| Tier 1 leverage | 10.75% (p55 of band) | 10.50% |
| Unrealized securities loss / equity | -0.05% (p96 of band) | -7.75% |
| AOCI / equity | -0.05% (p70 of band) | |
| ROA (annualized) | 2.40% (p95 of band) | 1.26% |
| Net interest margin | 4.12% (p75 of band) | 3.70% |
| Efficiency ratio | 38.27% (p7 of band) | |
| Noncurrent loans | 0.22% (p25 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p39 of band) | |
| Reserve coverage of noncurrent | 930.10% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 122.19% (p95 of band) | |
| Auto loans | $3.7M (0.20% of loans; DQ 2.01%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 14.8% | |
| Employees | 167 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | uninsured deposits >50% |  |
| 2011-09 | 2 | run vulnerability |  |
| 2011-12 | 1 | liquid assets <10% | uninsured deposits >50%, run vulnerability |
| 2012-03 | 1 | reserve under noncurrent | liquid assets <10% |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 | capital falling | reserve under noncurrent |
| 2013-03 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2013-06 | 1 |  | liquid assets <10% |
| 2013-09 | 2 | uninsured deposits >50%, run vulnerability | loans exceed deposits |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 5 | loans exceed deposits, liquid assets <10% |  |
| 2015-06 | 4 |  | capital falling |
| 2015-09 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2015-12 | 3 | capital falling |  |
| 2016-03 | 3 | liquid assets <10% | capital falling |
| 2016-06 | 4 | loans exceed deposits |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 | capital falling | liquid assets <10%, loans exceed deposits |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | loans exceed deposits |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | loans exceed deposits |
| 2019-03 | 1 |  | run vulnerability |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | run vulnerability |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | loans exceed deposits, construction >100% equity |  |
| 2020-06 | 2 |  | loans exceed deposits, construction >100% equity |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | capital falling |
| 2021-06 | 1 |  | run vulnerability |
| 2021-09 | 3 | capital falling, construction >100% equity |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 1 | uninsured deposits leaving | uninsured deposits >50%, capital falling, construction >100% equity |
| 2022-06 | 2 | construction >100% equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | uninsured deposits leaving |
| 2023-06 | 0 |  | construction >100% equity |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | construction >100% equity |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | loans exceed deposits |  |
| 2025-12 | 2 | capital falling | loans exceed deposits |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-26 [Thomasville National Bank invests $25,000 in Paradise Park Fund - Thomasville Times-Enterprise](https://news.google.com/rss/articles/CBMiowFBVV95cUxQR1B6TTltU2k3MXJfcG9zTlFxVmFDZURGRENPaXM1eUpyNXVaWTVIMGpickNiN2tTaEVWMkI2Yzlwd0tfa1psSTVLN3VrX0FlcWt6QnNta0dCUTRDOFZoZXctUWJ6bXR3VFJDR3JuMkNhM2FSTHJnZHpTUlV1aFE4SzV3aVpkaG92dktwa0hIRFdxaVprQWE3SGk5ZXJlLV9YVFhz?oc=5) · Thomasville Times-Enterprise
- 2026-07-20 [Thomasville Bancshares, Inc. Announces Second Quarter 2026 Financial Results - GlobeNewswire](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPdEg2T2pBdzNoaGFLanhGa2tmYU0xRG52NlZ1QnE2RnJ2VG1PZzhCZ1A1ZXd3VHJrQ1hsd2cwZnpRdTA5RkpuaEE3WG1lWEV3aFB2cXNKbnd4aTU2dlBicVN0ODZyUnpYS1NHd0NzczB6MjN1dFBSc2JJb2ktYlVxSEdWV3h4MFBSczEwV3F2RmVuc0RUM2lqZmxJRE43d0ZWS25acFRqNVdOX25nUnp3Zk5GdlNRS19aWlo1Tnc4dURYWG9uNFY4MkpUY2FLWHNUVW9mMlI1a055eHZPVF93?oc=5) · GlobeNewswire
- 2026-02-04 [Ted Frazee Joins Thomasville National Bank's Board of Directors - Moomoo](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPaG03UGpUcFFXOUs0VUVCb05QUkx0TFlQQ0tXYWoxUFpUZ01oTVVrTVVyWjZ1bnFFYl9nbEFGeVk5STdvdk41MWc0Z1psOUZzdDZ4SlFsdV9EVGxiSDF4TWNVYjl6Mk1aZk1sWlJWRzZzdDk4Y2ktSkxCOEdtMFpPd1dPVGxOYUUxcjNoNFBkU3Rma1lCZ2R1aE5GLXVpY19ERVpONTh0Vng?oc=5) · Moomoo
- 2026-04-16 [Thomasville Bancshares, Inc. Announces Earnings, Cash Dividend, and Stock Repurchase Program - GlobeNewswire](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPUXJ6bXVHX2xXZGVrX1hGWXFod0RzNG9aTXBWcEIxMVhlQ1hLeDhYY0pmdlVVRXd2dzBWbkhjT3BDMG5PZGpxZ2h3NmRxbkRhMHJyd0hQNVM0WFN1RWtPd2dPaVd3OEltbkxGVzlFcDNVRlBGRWFhbXgxMHVMcWRhc1pQUHhpR21YQ2tKRXo5Um9PRjBZeDhSaXRKdFQ5dWJvcWJja3IySmpIN19iejhIWHMxVmNBUVJ6WU56SEZoZ21GTFZRSnpuMlRYMV9QRkVkLVFlUE5TTm13WEdMR2c2Y3BfY0JXb0ZZQkl3Wlg2TGZXdw?oc=5) · GlobeNewswire
- 2025-04-25 [Thomasville Bancshares (THVB) Stock Price, News & Analysis - Stock Titan](https://news.google.com/rss/articles/CBMiU0FVX3lxTE1LN0dUQ3gwZVB2bVhyMWdWSEw5Z0xVQ0NkbDJPdklyUTVsVHhUd2VBSGFRRk9FTXdNMkozdUdjbENZZlB5ODBKcG02X3hDcm9SblVZ?oc=5) · Stock Titan
- 2024-08-23 [Raynal Joins TNB Financial Services Trust Division - The Laurens County Advertiser](https://news.google.com/rss/articles/CBMipAFBVV95cUxNWjlnUEpsYm1FVzVXRkxXaEZTV1lfZ2tYSTNIck1SaGl4UmFYVXFYcElzS25Fd2x5cE01SmtOTzMxUWpZYUR3dldMc3N1emViV3I0RERtN2s2RElsRzNZdlRCZ0VBTEY2LVNFcVFubzRGMWRtZjZLTEZBODFtSmVOU01mVXVEaGxGUFYzMDJRdHZNcHU0NW1KMUFDcThvSmFQUm52Tw?oc=5) · The Laurens County Advertiser
- 2020-02-06 [Thomasville National Bank announces promotions - Thomasville Times-Enterprise](https://news.google.com/rss/articles/CBMikgFBVV95cUxPTkdOdmp4SlFLZ0tGNkQ5LVpQUGU0b19nNVFHSFVXUUc5TlhMZWhxeVpjVThpcXA1ek5jUHJMZFZwT1Z6OEFjQzZZWERFckRRNU15S1N0SVdfVVlyZkM0VmQ1eERsZV9ZNmJyTk82T1FhZ3dxSUxyTjhKNXMwZlFMcllVWjFxcjIxVHdFUVoxYkg3dw?oc=5) · Thomasville Times-Enterprise
- 2016-05-30 [Scott Jason Milberg Obituary May 30, 2016 - Allen & Allen Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1QdG50VnF1LTBNWGFGNnBsZHp3dDdvSTFYM3EtZGtMMW85X2ctZGNWR2FaYXgwWjZFa0JfS0k1bGlFanA2ZU9fRmU0RDJUQ0hTbm9IM3lUWXJHZkdw?oc=5) · Allen &amp; Allen Funeral Home and Crematory

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34068 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/20.json (key "34068", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide