THOMASVILLE NATIONAL BANK

THOMASVILLE, GA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1995FDIC #34,068

Satisfactory Same

Current rating · Exam: February 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 2.37%

Is this bank safe?

THOMASVILLE NATIONAL BANK holds a Satisfactory CRA rating (2024), is financially strong (ROA +2.37%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Website

www.tnbank.com

Address

301 N Broad St, THOMASVILLE, GA

County

Thomas County

Established

October 2, 1995

Total Assets

$2.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 12, 2024

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Feb 2028(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.1B

Total Deposits

$1.8B

Net Loans

$1.8B

Net Income

$12M

ROA

2.37%

Above avg for Community banks. Peer avg: 0.90%

ROE

23.94%

Risk-Based Capital

13.23%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA2.37%Peer avg: 0.90%▲ Above avg

Risk-Based Capital13.23%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate0.41%Peer avg: 10.20%▼ Fewer than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$1.6B

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	243	95.47%	0.41%
2023	245	97.96%	0.41%
2022	345	99.42%	0.29%
2021	315	98.1%	1.27%
2020	263	98.86%	0.00%
2019	201	95.52%	1.99%
2018	218	97.25%	0.46%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Feb 2024	Satisfactory	Intermediate Small Bank
Jan 2021	Satisfactory	Intermediate Small Bank
Jun 2017	Satisfactory	Intermediate Small Bank

5 previous ratings locked — back to 1997

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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