Waycross Bank & Trust
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
$242.2MAssets
$125.1MLoans
$217.3MDeposits
$20.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 83% of banks under $1B in assets in GA (rank 12 of 58).
- Widest gap: net interest margin trails 90% of banks under $1B in assets in GA (rank 53 of 59).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $4.5M · efficiency ratio beats 37% of banks under $1B in assets in GA | 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 |