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Wayne County Bank

Waynesboro, TN · Cert 9168 · Wayne County Bancshares Inc.

State charter, Fed member · FED · 8 branches

Q2 2026

$595.1MAssets
$421.9MLoans
$507.1MDeposits
$77.8MEquity
Loan mix
78%RE $315.9M14%C&I $56.1M8%Consumer $31.1MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $411.6M19%Noninterest $95.4MQ2 2025Q2 2026

NIM

6.66%Q2 ’246.39%Q2 ’256.13%Q2 ’26-6%+2%

Non-interest income vs. expense

2.29%Q2 ’242.03%Q2 ’252.12%Q2 ’26-19%-2%

Executive Summary

  • Earnings: ROA of 1.82%, up 9 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.72% of loans (-3 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 13.58%, up 74 bps from a year ago.
  • Funding: loans stand at 83.20% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.82%+9 bps YoY

Net Interest Margin (quarter, annualized)

3.95%+7 bps YoY

Efficiency Ratio (quarter, annualized)

45.27%+12 bps YoY

Tier 1 Leverage Ratio

13.58%+74 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.73%1.86%1.73%1.81%1.82%+9 bps
Return on Equity14.22%15.13%13.68%14.09%13.98%-24 bps
Net Interest Margin3.88%4.10%4.02%4.08%3.95%+7 bps
Efficiency Ratio45.15%42.71%46.54%45.27%45.27%+12 bps
Non-Interest Burden1.41%1.40%1.59%1.53%1.38%-3 bps
Growth
Asset Growth (YoY)13.56%8.59%7.47%6.80%4.99%-857 bps
Loan Growth (YoY)14.18%13.72%11.97%9.15%4.07%-1,011 bps
Deposit Growth (YoY)12.72%8.57%6.89%6.09%3.90%-881 bps
Asset Quality
Nonperforming Loans / Loans0.74%0.63%0.66%0.71%0.72%-3 bps
Net Charge-Offs / Loans-0.01%0.12%0.11%0.18%-0.02%-1 bps
Allowance / Loans1.16%1.17%1.14%1.15%1.19%+2 bps
Allowance Coverage of NPLs1.6x1.9x1.7x1.6x1.7x+0.1x
Capital
Tier 1 Leverage Ratio12.84%13.07%13.17%13.52%13.58%+74 bps
Total Risk-Based Capital12.84%13.07%13.17%13.52%13.58%+74 bps
Equity / Assets12.06%12.60%12.72%13.00%13.08%+102 bps
Liquidity & Funding
Loans / Deposits83.07%85.13%86.12%84.91%83.20%+14 bps
Liquid Assets / Assets2.88%3.17%3.64%3.88%4.06%+119 bps
CRE / Total Capitaln/a207%216%194.89%n/an/a