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 | |