BlastPoint's Banking Scorecard
Wayne County Bank
Designations: ✓ CDFI-certified
Waynesboro, TN
8 branches across TN
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 72 in TN.
- Deposits +3.9% year over year ($507.1M on the books).
- Delinquency rate 0.73%.
- Return on assets 1.82%.
- Efficiency ratio 45.27% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.22% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Wayne County Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.21% below tier average
- + ROA 0.49% above tier average
- + Net Interest Margin 0.73% above tier average
- + Delinquency Rate 0.19% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$595.1M
+5.0% YoY
+2.1% QoQ
|
+$208.6M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
80% |
| Total Loans ? |
$416.9M
+4.0% YoY
+0.0% QoQ
|
+$158.5M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
81% |
| Total Deposits ? |
$507.1M
+3.9% YoY
+2.1% QoQ
|
+$180.3M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
81% |
| Return on Assets ? |
1.82%
+8.5% YoY
+0.2% QoQ
|
+0.49% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
81% |
| Net Interest Margin ? |
4.71%
+4.7% YoY
-0.6% QoQ
|
+0.73% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
Top 14.1% in tier |
| Efficiency Ratio ? |
45.27%
-2.7% YoY
+0.0% QoQ
|
-19.21% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
Top 9.5% in tier |
| Delinquency Rate ? |
0.73%
-3.4% YoY
+1.4% QoQ
|
-0.19% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
82.22%
+0.1% YoY
-2.1% QoQ
|
+4.26% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
18.82%
+25.5% YoY
+23.8% QoQ
|
-3.21% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.56%
+4.8% YoY
-0.0% QoQ
|
-0.11% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
13.58%
+5.8% YoY
+0.4% QoQ
|
-2.33% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.33%
+10.1% YoY
+123.9% QoQ
|
-0.24% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
76% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
18.8%
+3.8pp YoY +3.6pp QoQ |
-3.3pp | 22.1% | 18.8% | 22.2% | 39% |
| Brokered Deposits |
3.6%
-3.4pp YoY -2.2pp QoQ |
-4.2pp | 7.9% | 9.4% | 8.5% | 43% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.7%
-1.8pp YoY -1.8pp QoQ |
+0.1pp | 11.6% | 10.9% | 12.5% | 62% |
| CRE |
37.0%
-0.9pp YoY +0.4pp QoQ |
-2.6pp | 39.5% | 42.4% | 41.4% | 47% |
| 1-4 Family |
24.2%
+0.9pp YoY +0.2pp QoQ |
-8.5pp | 32.6% | 39.8% | 31.3% | 39% |
| Consumer |
7.5%
-0.4pp YoY +0.1pp QoQ |
+3.4pp | 4.1% | 4.5% | 5.0% | 87% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 14.8% | 19.7% | n/a |
| Leverage Ratio |
13.6%
+0.7pp YoY +0.1pp QoQ |
+1.4pp | 12.2% | 11.4% | 12.6% | 79% |
| Total Capital Ratio | n/a | n/a | 19.9% | 15.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
92
+2 (+2.2%) YoY 0 QoQ |
+33 | 58 | 270 | 482 | 83% |
| Assets per Employee ($) |
$6.5M
+2.7% YoY +2.1% QoQ |
-$1.0M | $7.5M | $7.1M | $8.8M | 42% |
| Branch Count |
8
0 YoY 0 QoQ |
+3 | 4 | 17 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.4% | 24% |
| Nonaccrual |
0.7%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.9% | 0.7% | 1.0% | 63% |
| Allowance Coverage |
1.65x
+5.6% YoY +2.1% QoQ |
-22.50x | 24.15x | 28.97x | 20.23x | 42% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 73% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.0%
+0.3pp YoY -0.1pp QoQ |
+1.8pp | 12.2% | 10.9% | 11.6% | 62% |
| Cost of Funds (YTD) |
2.6%
-0.4pp YoY 0.0pp QoQ |
+0.9pp | 1.7% | 2.0% | 1.7% | 92% |
| Net Income ($, YTD) |
$5.3M
+15.4% YoY — QoQ |
+$2.8M | $2.6M | $16.7M | $40.4M | 89% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.