BlastPoint's Banking Scorecard
Waycross Bank & Trust
Waycross, GA
Waycross Bank & Trust has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.25% below tier average
- + Delinquency Rate 0.42% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 36.0% in tier
- - Credit Quality Pressure: Bottom 48.9% in tier
- - Net Interest Margin 0.69% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$234.0M
-3.3% YoY
-2.8% QoQ
|
-$152.1M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
34% |
| Total Loans ? |
$127.3M
-7.7% YoY
-2.1% QoQ
|
-$128.4M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
28% |
| Total Deposits ? |
$209.4M
-5.3% YoY
-3.3% QoQ
|
-$118.6M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
37% |
| Return on Assets ? |
1.28%
-0.4% YoY
+1.9% QoQ
|
+0.02% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
55% |
| Net Interest Margin ? |
3.24%
+2.6% YoY
+1.5% QoQ
|
-0.69% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
19% |
| Efficiency Ratio ? |
63.04%
+7.1% YoY
+2.1% QoQ
|
-2.25% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
51% |
| Delinquency Rate ? |
0.47%
+734.0% YoY
+93.4% QoQ
|
-0.42% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
60.80%
-2.5% YoY
+1.3% QoQ
|
-15.84% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
23.02%
+4.0% YoY
-2.5% QoQ
|
+1.00% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.25%
+696.4% YoY
+94.9% QoQ
|
-0.38% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
55% |
| Tier 1 Capital Ratio ? |
12.08%
-33.1% YoY
-37.6% QoQ
|
-3.75% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.09%
+29.3% YoY
-73.1% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
43% |
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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 (0)
Concerns (2)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.