Waynesboro, TN · Cert 9168 · Wayne County Bancshares Inc.
State charter, Fed member · FED · 8 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.55% | 1.64% | 1.62% | 1.73% | 1.86% | 1.73% | 1.81% | 1.82% | +9 bps | |
| Return on Equity | 12.55% | 13.37% | 13.28% | 14.22% | 15.13% | 13.68% | 14.09% | 13.98% | -24 bps | |
| Net Interest Margin | 4.08% | 3.91% | 3.76% | 3.88% | 4.10% | 4.02% | 4.08% | 3.95% | +7 bps | |
| Efficiency Ratio | 47.99% | 48.28% | 47.98% | 45.15% | 42.71% | 46.54% | 45.27% | 45.27% | +12 bps | |
| Non-Interest Burden | 1.69% | 1.54% | 1.50% | 1.41% | 1.40% | 1.59% | 1.53% | 1.38% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.87% | 14.70% | 13.53% | 13.56% | 8.59% | 7.47% | 6.80% | 4.99% | -857 bps | |
| Loan Growth (YoY) | 12.92% | 13.70% | 13.11% | 14.18% | 13.72% | 11.97% | 9.15% | 4.07% | -1,011 bps | |
| Deposit Growth (YoY) | 13.37% | 13.96% | 12.61% | 12.72% | 8.57% | 6.89% | 6.09% | 3.90% | -881 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.83% | 0.78% | 0.89% | 0.74% | 0.63% | 0.66% | 0.71% | 0.72% | -3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.08% | 0.04% | -0.01% | 0.12% | 0.11% | 0.18% | -0.02% | -1 bps | |
| Allowance / Loans | 1.21% | 1.18% | 1.19% | 1.16% | 1.17% | 1.14% | 1.15% | 1.19% | +2 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.5x | 1.3x | 1.6x | 1.9x | 1.7x | 1.6x | 1.7x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.23% | 12.82% | 12.79% | 12.84% | 13.07% | 13.17% | 13.52% | 13.58% | +74 bps | |
| Total Risk-Based Capital | 13.23% | 12.82% | 12.79% | 12.84% | 13.07% | 13.17% | 13.52% | 13.58% | +74 bps | |
| Equity / Assets | 12.38% | 12.08% | 12.32% | 12.06% | 12.60% | 12.72% | 13.00% | 13.08% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.28% | 82.21% | 82.53% | 83.07% | 85.13% | 86.12% | 84.91% | 83.20% | +14 bps | |
| Liquid Assets / Assets | 2.19% | 2.36% | 2.64% | 2.88% | 3.17% | 3.64% | 3.88% | 4.06% | +119 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 207% | 216% | 194.89% | n/a | n/a | |