First National Bank of Waynesboro, The
Waynesboro, GA · Cert 2160 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Burke Banking Co.
National charter · OCC · 2 branches
Q2 2026
$229.1MAssets
$153.0MLoans
$182.7MDeposits
$44.2MEquity
Executive Summary
- Strongest standing: return on assets outperforms 97% of banks under $1B in assets operating in a single state (rank 22 of 746).
- Widest gap: net charge-offs / loans trails 70% of banks under $1B in assets operating in a single state (rank 521 of 743).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.32%
Rank 22 of 746
Net Interest Margin
4.68%
Rank 62 of 746
Efficiency Ratio
47.00%
Rank 71 of 746
Equity / Assets
19.31%
Rank 41 of 746
Non-interest income vs. expense
Unfavorable gap of $4.1M · efficiency ratio beats 91% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.32% | 0.72% | 1.06% | 1.45% | Beats 97% | 22 / 746 | |
| Return on Equity | 11.99% | 6.74% | 10.51% | 13.63% | Beats 63% | 277 / 746 | |
| Net Interest Margin | 4.68% | 3.17% | 3.68% | 4.16% | Beats 92% | 62 / 746 | |
| Efficiency Ratio | 47.00% | 55.74% | 64.58% | 75.47% | Beats 91% | 71 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.09% | 0.42% | 1.07% | Beats 66% | 253 / 743 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 30% | 521 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 34.39% | 11.55% | 13.75% | 17.60% | Beats 96% | 27 / 746 | |
| Total Risk-Based Capital Ratio | 35.65% | 11.71% | 14.33% | 18.43% | Beats 96% | 27 / 746 | |
| Equity / Assets | 19.31% | 8.90% | 10.51% | 13.06% | Beats 95% | 41 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 83.75% | 61.31% | 78.27% | 90.78% | 62nd pctl | 285 / 746 | |
| Loans / Assets | 66.79% | 53.60% | 66.97% | 76.08% | 49th pctl | 380 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |