Wayne County Bank
Waynesboro, TN · Cert 9168 · Peer group: banks under $1B in assets (n=581-629) · Wayne County Bancshares Inc.
State charter, Fed member · FED · 8 branches
Q2 2026
$595.1MAssets
$421.9MLoans
$507.1MDeposits
$77.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 93% of banks under $1B in assets (rank 42 of 629).
- Widest gap: net charge-offs / loans trails 78% of banks under $1B in assets (rank 455 of 581).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.79%
Rank 96 of 629
Net Interest Margin
3.98%
Rank 171 of 629
Efficiency Ratio
45.27%
Rank 42 of 629
Equity / Assets
13.08%
Rank 184 of 629
Non-interest income vs. expense
Unfavorable gap of $8.5M · efficiency ratio beats 93% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.79% | 0.60% | 1.01% | 1.45% | Beats 85% | 96 / 629 | |
| Return on Equity | 13.66% | 5.38% | 9.30% | 13.28% | Beats 77% | 143 / 629 | |
| Net Interest Margin | 3.98% | 3.03% | 3.54% | 4.05% | Beats 73% | 171 / 629 | |
| Efficiency Ratio | 45.27% | 58.35% | 67.79% | 79.08% | Beats 93% | 42 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.72% | 0.09% | 0.46% | 1.20% | Beats 38% | 363 / 581 | |
| Net Charge-Offs / Loans | 0.08% | n/a | 0.01% | 0.06% | Beats 22% | 455 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 13.58% | 11.24% | 13.84% | 18.77% | Beats 48% | 328 / 629 | |
| Total Risk-Based Capital Ratio | 13.58% | 11.58% | 14.43% | 19.66% | Beats 43% | 357 / 629 | |
| Equity / Assets | 13.08% | 9.09% | 10.65% | 13.80% | Beats 71% | 184 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 83.20% | 67.24% | 80.90% | 93.48% | 53rd pctl | 281 / 594 | |
| Loans / Assets | 70.89% | 53.31% | 67.71% | 78.15% | 56th pctl | 275 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |