BlastPoint's Banking Scorecard

Wayne County Bank

$100M-$1B Specialty: Commercial TN FDIC cert 9168

Designations: ✓ CDFI-certified

Waynesboro, TN

8 branches across TN

2664 banks in the $100M-$1B peer group nationally 72 in TN

Wayne County Bank shows strong momentum with 4 strengths and 6.8% YoY asset growth

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 20.02% below tier average
+ ROA 0.54% above tier average
+ Net Interest Margin 0.81% above tier average
+ Delinquency Rate 0.17% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Wayne County Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$582.8M +6.8% YoY +0.7% QoQ	+$196.8M	$386.1M +0.5% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	79%
Total Loans ?	$416.7M +9.2% YoY -1.0% QoQ	+$161.0M	$255.7M +1.1% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$496.5M +6.1% YoY +0.4% QoQ	+$168.5M	$328.0M +0.1% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	79%
Return on Assets ?	1.81% +11.8% YoY +4.2% QoQ	+0.54%	1.27% +12.9% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	82%
Net Interest Margin ?	4.74% +6.7% YoY +2.8% QoQ	+0.81%	3.93% +6.0% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	Top 12.3% in tier
Efficiency Ratio ?	45.27% -5.7% YoY -0.6% QoQ	-20.02%	65.29% -4.5% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	Top 9.2% in tier
Delinquency Rate ?	0.72% -20.3% YoY +7.6% QoQ	-0.17%	0.89% +18.8% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	36%
Loan-to-Deposit Ratio ?	83.94% +2.9% YoY -1.4% QoQ	+7.30%	76.64% +0.8% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	37%
Non-Interest-Bearing Deposit Share ?	15.21% -1.4% YoY -0.9% QoQ	-6.81%	22.02% -1.0% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	25%
Nonperforming Asset Ratio ?	0.56% -11.3% YoY +15.0% QoQ	-0.08%	0.64% +19.7% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	35%
Tier 1 Capital Ratio ?	13.52% +5.7% YoY +2.7% QoQ	-2.31%	15.83% +1.5% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.15% -3.4% YoY -74.4% QoQ	-0.13%	0.28% +9.3% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	72%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

247

Efficiency Ratio

profitability

Value: 45.27%

Peer Median: 65.29%

#247 of 2664 Top 9.2% in $100M-$1B

329

Net Interest Margin

profitability

Value: 4.74%

Peer Median: 3.93%

#329 of 2664 Top 12.3% in $100M-$1B

479

Return on Assets

profitability

Value: 1.81%

Peer Median: 1.27%

#479 of 2664 Top 17.9% in $100M-$1B

500

Total Loans

size

Value: $416.74M

Peer Median: $255.72M

#500 of 2664 Top 18.7% in $100M-$1B

556

Total Deposits

size

Value: $496.47M

Peer Median: $327.97M

#556 of 2664 Top 20.8% in $100M-$1B

557

Total Assets

size

Value: $582.85M

Peer Median: $386.08M

#557 of 2664 Top 20.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available