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Waycross Bank & Trust

Waycross, GA · Cert 27254 · 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
Loan mix
93%RE $119.8M6%C&I $8.3M1%Consumer $1.0MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $165.2M24%Noninterest $52.1MQ2 2025Q2 2026

NIM

4.24%Q2 ’244.54%Q2 ’254.40%Q2 ’26+20%+3%

Non-interest income vs. expense

1.86%Q2 ’241.95%Q2 ’252.14%Q2 ’26+5%+9%

Executive Summary

  • Earnings: ROA of 1.02%, up 1 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.25% of loans (+5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.15%, up 96 bps from a year ago.
  • Funding: loans stand at 57.57% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.02%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+8 bps YoY

Efficiency Ratio (YTD, annualized)

63.12%+327 bps YoY

Tier 1 Leverage Ratio

12.15%+96 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%0.99%0.99%1.01%1.02%+1 bps
Return on Equity15.22%14.17%13.73%11.79%11.88%-335 bps
Net Interest Margin2.98%2.96%2.99%3.04%3.06%+8 bps
Efficiency Ratio59.85%61.10%61.76%63.04%63.12%+327 bps
Non-Interest Burden1.67%1.69%1.73%1.80%1.81%+14 bps
Growth
Asset Growth (YoY)2.94%-0.45%-5.44%-3.30%-3.15%-610 bps
Loan Growth (YoY)0.38%-7.61%-8.06%-7.52%-8.82%-920 bps
Deposit Growth (YoY)1.64%-1.58%-8.07%-5.31%-4.96%-660 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.13%0.24%0.46%0.25%+5 bps
Net Charge-Offs / Loans0.05%0.04%0.02%0.00%0.00%-5 bps
Allowance / Loans1.70%1.82%1.78%1.81%1.88%+18 bps
Allowance Coverage of NPLs8.5x13.7x7.5x4.0x7.6x-0.9x
Capital
Tier 1 Leverage Ratio11.19%11.35%11.31%12.08%12.15%+96 bps
Total Risk-Based Capital20.07%21.33%20.60%12.08%12.15%-793 bps
Equity / Assets6.98%8.20%8.33%8.81%8.56%+158 bps
Liquidity & Funding
Loans / Deposits60.01%58.39%61.12%61.92%57.57%-244 bps
Liquid Assets / Assets11.78%11.01%7.21%7.67%10.31%-147 bps
CRE / Total Capitaln/a306%311%285%n/an/a