As per What’s the role of the EVM in a plain ether transfer between Externally Owned Accounts?, one would expect that the sending account will get debited right after the transfer call. Yet, that does not happen. Am I missing something obvious?
The value will be debited from the sending account once the transaction is included in a block. Until then, while the transaction is in the mempool (pending inclusion in a block), geth maintains a temporary state which will also have decreased the balance, but which will only be returned by
getBalance if you have mining activated.