Waycross, GA · Cert 27254 · WB&T Bankshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
21
Asset Quality
74
Profitability
29
Liquidity
42
Efficiency
37
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Waycross, GA · Cert 27254 · WB&T Bankshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 1 branch (8 in holding)
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.71% | 1.01% | 1.00% | 0.99% | 0.99% | 1.01% | 1.02% | +1 bps | |
| Return on Equity | 12.39% | 11.95% | 15.90% | 15.22% | 14.17% | 13.73% | 11.79% | 11.88% | -335 bps | |
| Net Interest Margin | 2.51% | 2.55% | 2.90% | 2.98% | 2.96% | 2.99% | 3.04% | 3.06% | +8 bps | |
| Efficiency Ratio | 65.77% | 67.34% | 58.84% | 59.85% | 61.10% | 61.76% | 63.04% | 63.12% | +327 bps | |
| Non-Interest Burden | 1.57% | 1.64% | 1.61% | 1.67% | 1.69% | 1.73% | 1.80% | 1.81% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.85% | 11.41% | 3.12% | 2.94% | -0.45% | -5.44% | -3.30% | -3.15% | -610 bps | |
| Loan Growth (YoY) | 12.50% | 15.37% | 10.86% | 0.38% | -7.61% | -8.06% | -7.52% | -8.82% | -920 bps | |
| Deposit Growth (YoY) | 8.10% | 11.63% | 0.26% | 1.64% | -1.58% | -8.07% | -5.31% | -4.96% | -660 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.05% | 0.05% | 0.20% | 0.13% | 0.24% | 0.46% | 0.25% | +5 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.01% | 0.05% | 0.04% | 0.02% | 0.00% | 0.00% | -5 bps | |
| Allowance / Loans | 1.60% | 1.60% | 1.67% | 1.70% | 1.82% | 1.78% | 1.81% | 1.88% | +18 bps | |
| Allowance Coverage of NPLs | 62.2x | 32.9x | 30.4x | 8.5x | 13.7x | 7.5x | 4.0x | 7.6x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.66% | 10.44% | 10.77% | 11.19% | 11.35% | 11.31% | 12.08% | 12.15% | +96 bps | |
| Total Risk-Based Capital | 18.66% | 18.18% | 19.31% | 20.07% | 21.33% | 20.60% | 12.08% | 12.15% | -793 bps | |
| Equity / Assets | 7.10% | 5.81% | 6.99% | 6.98% | 8.20% | 8.33% | 8.81% | 8.56% | +158 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.21% | 61.12% | 63.40% | 60.01% | 58.39% | 61.12% | 61.92% | 57.57% | -244 bps | |
| Liquid Assets / Assets | 8.58% | 10.74% | 6.80% | 11.78% | 11.01% | 7.21% | 7.67% | 10.31% | -147 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 306% | 311% | 285% | n/a | n/a | |
Waycross, GA · Cert 27254 · Peer group: banks under $1B in assets in GA (n=58-59) · WB&T Bankshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 1 branch (8 in holding)
Q2 2026
Return on Assets
1.00%
Rank 44 of 59
Net Interest Margin
3.06%
Rank 53 of 59
Efficiency Ratio
63.12%
Rank 38 of 59
Equity / Assets
8.56%
Rank 52 of 59
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.00% | 0.94% | 1.46% | 1.76% | Beats 25% | 44 / 59 | ||
| Return on Equity | 11.72% | 7.92% | 11.60% | 15.10% | Beats 51% | 29 / 59 | ||
| Net Interest Margin | 3.06% | 3.66% | 4.24% | 4.75% | Beats 10% | 53 / 59 | ||
| Efficiency Ratio | 63.12% | 51.87% | 60.25% | 70.24% | Beats 37% | 38 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.25% | 0.10% | 0.36% | 0.89% | Beats 64% | 22 / 58 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 83% | 12 / 58 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.15% | 11.93% | 15.65% | 21.05% | Beats 27% | 43 / 59 | ||
| Total Risk-Based Capital Ratio | 12.15% | 12.05% | 15.77% | 22.26% | Beats 25% | 44 / 59 | ||
| Equity / Assets | 8.56% | 9.10% | 11.51% | 14.32% | Beats 12% | 52 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.57% | 59.62% | 72.81% | 85.44% | 22nd pctl | 45 / 58 | ||
| Loans / Assets | 51.67% | 49.55% | 64.39% | 73.73% | 29th pctl | 42 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||