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Waycross Bank & Trust

$100M-$1B Specialty: Commercial GA FDIC cert 27254

Waycross, 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 -5.0% year over year ($217.3M on the books).
  • Delinquency rate 0.25%.
  • Return on assets 1.30%.
  • Efficiency ratio 63.12% vs a 64.48% peer average.
  • Loan-to-deposit ratio 56.49% 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) →

Waycross Bank & Trust has 2 strengths but faces 3 concerns

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

  • + Efficiency Ratio 1.36% below tier average
  • + Delinquency Rate 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 16.3% in tier
  • - Deposit Outflow: Bottom 18.7% in tier
  • - Net Interest Margin 0.71% below tier average
Get updates when Waycross Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $242.2M
-3.2% YoY +3.5% QoQ
-$144.4M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
35%
Total Loans ? $122.8M
-9.0% YoY -3.6% QoQ
-$135.6M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
26%
Total Deposits ? $217.3M
-5.0% YoY +3.8% QoQ
-$109.4M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
38%
Return on Assets ? 1.30%
+1.7% YoY +0.9% QoQ
-0.03% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
53%
Net Interest Margin ? 3.28%
+3.7% YoY +1.2% QoQ
-0.71% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
19%
Efficiency Ratio ? 63.12%
+5.5% YoY +0.1% QoQ
-1.36% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
47%
Delinquency Rate ? 0.25%
+24.3% YoY -45.6% QoQ
-0.67% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
61%
Loan-to-Deposit Ratio ? 56.49%
-4.2% YoY -7.1% QoQ
-21.46% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
Top 13.8% in tier
Non-Interest-Bearing Deposit Share ? 23.98%
-2.4% YoY +4.1% QoQ
+1.94% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
62%
Nonperforming Asset Ratio ? 0.16%
+46.4% YoY -36.5% QoQ
-0.51% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
64%
Tier 1 Capital Ratio ? 12.15%
-35.5% YoY +0.5% QoQ
-3.76% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
37%
Non-Interest Income / Assets ? 0.17%
+17.1% YoY +96.6% QoQ
-0.40% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
40%

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 24.0%
-0.6pp YoY
+1.0pp QoQ
 +1.8pp 22.1% 26.2% 22.2% 62%
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 6.4%
+0.9pp YoY
-0.1pp QoQ
 -5.1pp 11.6% 9.7% 12.5% 28%
CRE 67.3%
-2.0pp YoY
+1.2pp QoQ
 +27.7pp 39.5% 48.9% 41.4% 91%
1-4 Family 20.8%
-0.5pp YoY
-0.5pp QoQ
 -11.8pp 32.6% 31.7% 31.3% 32%
Consumer 0.8%
+0.2pp YoY
+0.1pp QoQ
 -3.3pp 4.1% 4.8% 5.0% 25%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.9% 19.7% n/a
Leverage Ratio 12.1%
+1.0pp YoY
+0.1pp QoQ
 0.0pp 12.2% 14.0% 12.6% 66%
Total Capital Ratio n/a n/a 19.9% 22.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 16
-2 (-11.1%) YoY
0 QoQ
 -43 58 98 482 5%
Assets per Employee ($) $15.1M
+9.0% YoY
+3.5% QoQ
 +$7.6M $7.5M $7.5M $8.8M 97%
Branch Count 1
0 YoY
0 QoQ
 -4 4 6 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.4% 33%
Nonaccrual 0.2%
0.0pp YoY
-0.2pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 31%
Allowance Coverage 7.57x
-11.0% YoY
+90.8% QoQ
 -16.58x 24.15x 38.10x 20.23x 78%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.2pp 0.1% 0.1% 0.2% 21%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 15.1%
-4.2pp YoY
+0.1pp QoQ
 +2.9pp 12.2% 13.6% 11.6% 68%
Cost of Funds (YTD) 1.4%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.6% 1.7% 31%
Net Income ($, YTD) $1.5M
-2.4% YoY
— QoQ
 -$1.0M $2.6M $6.6M $40.4M 43%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk
#206 of 1256 • Bottom 16.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.25%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#101 of 535 • Bottom 18.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 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 (1 metrics)

367
Loan-to-Deposit Ratio
liquidity
Value: 56.49%
Peer Median: 77.95%
#367 of 2643 Top 13.8% in $100M-$1B

Top Weaknesses (1 metrics)

2145
Net Interest Margin
profitability
Value: 3.28%
Peer Median: 3.99%
#2145 of 2643 Bottom 18.9% in $100M-$1B
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