BlastPoint

BlastPoint's Banking Scorecard

The First National Bank of Waynesboro

$100M-$1B Specialty: Other GA FDIC cert 2160

Waynesboro, GA

2 branches across GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
  • Deposits +1.1% year over year ($182.7M on the books).
  • Delinquency rate 0.20%.
  • Return on assets 2.33%.
  • Efficiency ratio 47.00% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.65% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA
View $100M-$1B leaderboard (GA) →

The First National Bank of Waynesboro has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 22.1% in tier
  • + Profitability Leader: Top 49.2% in tier
  • + Net Interest Margin 1.14% above tier average
  • + Efficiency Ratio 17.48% below tier average
  • + Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 7.1% in tier
Get updates when The First National Bank of Waynesboro releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $229.1M
+3.1% YoY +1.1% QoQ
-$157.5M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
33%
Total Loans ? $151.0M
+8.2% YoY +4.8% QoQ
-$107.3M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
35%
Total Deposits ? $182.7M
+1.1% YoY +0.4% QoQ
-$144.0M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
30%
Return on Assets ? 2.33%
+1.5% YoY -0.3% QoQ
+1.01% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
Top 6.7% in tier
Net Interest Margin ? 5.12%
+1.0% YoY +4.4% QoQ
+1.14% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 6.5% in tier
Efficiency Ratio ? 47.00%
-0.2% YoY +0.2% QoQ
-17.48% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
Top 11.8% in tier
Delinquency Rate ? 0.20%
-11.9% YoY +20.5% QoQ
-0.71% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
65%
Loan-to-Deposit Ratio ? 82.65%
+7.1% YoY +4.4% QoQ
+4.70% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
44%
Non-Interest-Bearing Deposit Share ? 26.17%
-4.7% YoY -4.8% QoQ
+4.14% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
71%
Nonperforming Asset Ratio ? 0.13%
-7.5% YoY +24.9% QoQ
-0.53% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
67%
Tier 1 Capital Ratio ? 34.39%
+4.6% YoY -0.8% QoQ
+18.48% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
Top 2.6% in tier
Non-Interest Income / Assets ? 0.47%
-1.8% YoY +106.2% QoQ
-0.10% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
Top 10.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Noninterest-Bearing 26.2%
-1.3pp YoY
-1.3pp QoQ
 +4.0pp 22.1% 26.2% 22.2% 70%
Brokered Deposits n/a n/a 7.9% 7.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 8.6%
-0.2pp YoY
-0.2pp QoQ
 -3.0pp 11.6% 9.7% 12.5% 44%
CRE n/a n/a 39.5% 48.9% 41.4% n/a
1-4 Family 53.3%
+2.1pp YoY
-0.7pp QoQ
 +20.7pp 32.6% 31.7% 31.3% 85%
Consumer 16.6%
-0.3pp YoY
-0.6pp QoQ
 +12.5pp 4.1% 4.8% 5.0% 97%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 34.4%
+1.5pp YoY
-0.3pp QoQ
 +15.6pp 18.8% 20.9% 19.7% 96%
Leverage Ratio 19.1%
+1.2pp YoY
-0.3pp QoQ
 +7.0pp 12.2% 14.0% 12.6% 96%
Total Capital Ratio 35.6%
+1.5pp YoY
-0.3pp QoQ
 +15.7pp 19.9% 22.1% 20.8% 96%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 32
-4 (-11.1%) YoY
-1 (-3.0%) QoQ
 -27 58 98 482 30%
Assets per Employee ($) $7.2M
+16.0% YoY
+4.2% QoQ
 -$359K $7.5M $7.5M $8.8M 55%
Branch Count 2
0 YoY
0 QoQ
 -3 4 6 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.4% 48%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 20%
Allowance Coverage 6.54x
+8.4% YoY
-18.8% QoQ
 -17.61x 24.15x 38.10x 20.23x 75%
Net Charge-off Rate (YTD) 0.0%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 66%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 12.4%
-1.1pp YoY
-0.2pp QoQ
 +0.2pp 12.2% 13.6% 11.6% 51%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.6% 1.7% 14%
Net Income ($, YTD) $2.7M
+3.9% YoY
— QoQ
 +$97K $2.6M $6.6M $40.4M 64%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#147 of 661 • Top 22.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.47%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.33%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Profitability Leader

growth
#326 of 661 • Top 49.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.33%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#54 of 742 • Bottom 7.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 34.39%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 82.65%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

69
Tier 1 Capital Ratio
capital
Value: 34.39%
Peer Median: 15.91%
#69 of 2643 Top 2.6% in $100M-$1B
172
Net Interest Margin
profitability
Value: 5.12%
Peer Median: 3.99%
#172 of 2643 Top 6.5% in $100M-$1B
178
Return on Assets
profitability
Value: 2.33%
Peer Median: 1.32%
#178 of 2643 Top 6.7% in $100M-$1B
279
Non-Interest Income / Assets
revenue_mix
Value: 0.47%
Peer Median: 0.57%
#279 of 2643 Top 10.5% in $100M-$1B
312
Efficiency Ratio
profitability
Value: 47.00%
Peer Median: 64.48%
#312 of 2643 Top 11.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026