Total Assets
$241M
Total balance-sheet footings
FDIC Cert #27254 · Waycross, Georgia · Est. 1988
Waycross Bank & Trust - FDIC Bank Health Profile
A community-scale look at Waycross Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $241M
- Total assets
- A
- Health grade · Excellent
- 1.26%
- Return on assets
- 19.3%
- Tier 1 capital
Data updated July 2026
The verdict
Waycross Bank & Trust earns a PlainBankData health grade of A (88/100), with well-capitalized at 19.35% Tier 1, profitable at 1.26% ROA, 62% efficiency ratio.
- #2,792
- largest of 4,313 FDIC banks by assets
- 35th
- percentile by asset size, nationally
- 19.35%
- Tier 1 ratio - above the 10% well-capitalized line
- 61st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Waycross Bank & Trust's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Waycross Bank & Trust's composite health score
Tier 1 Capital Ratio (19.35%) 40/40
Return on Assets (ROA) (1.26%) 20/25
Texas Ratio (1.40%) 20/20
Efficiency Ratio (61.76%) 8/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$216M
Customer-funded liabilities
Net Loans
$130M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Waycross Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Waycross Bank & Trust's score of 88/100 falls in the highlighted band.
Waycross Bank & Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Waycross Bank & Trust's $241M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
19.35% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
19.35%
Texas Ratio
1.40%
Equity Capital
$20M
Profitability metrics
Return on Assets (ROA)
61st percentile nationally
1.26%
Return on Equity (ROE)
17.40%
Efficiency Ratio
61.76%
What the numbers say about Waycross Bank & Trust
Waycross Bank & Trust is an FDIC-insured institution (Certificate #27254) headquartered in Waycross, Georgia, established in 1988. It holds $241M in total assets - 2,792nd of 4,313 FDIC-insured banks, $216M in customer deposits, and $130M in net loans. Capital-wise, the Tier 1 ratio sits at 19.35%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 1.40%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (88 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Waycross Bank & Trust sits 86th of 129 banks headquartered in Georgia by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$12M
Interest Income
$764K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Waycross Bank & Trust reports a Texas Ratio of 1.40% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.40% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Waycross Bank & Trust (FDIC Cert #27254) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris BankAtlanta | $27.4B | A | 1.64% |
| RBC Bank, (Georgia) National AssociationAtlanta | $8.0B | A | 2.48% |
| Metro City BankDoraville | $4.7B | A | 1.79% |
| Colony BankFitzgerald | $3.7B | B | 0.92% |
| Georgia Banking CompanyAtlanta | $2.7B | B | 0.96% |
| United BankZebulon | $2.3B | A | 2.66% |
| Pinnacle BankElberton | $2.3B | B | 1.29% |
| Queensborough National Bank & Trust CompanyLouisville | $2.2B | A | 1.05% |
Frequently asked questions
What is Waycross Bank & Trust's health grade?▼
Waycross Bank & Trust receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Waycross Bank & Trust?▼
Waycross Bank & Trust holds $241M in total assets and $216M in deposits, ranking 2,792nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Waycross, Georgia.
Is my money safe at Waycross Bank & Trust?▼
Yes, deposits at Waycross Bank & Trust (Certificate #27254) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Waycross Bank & Trust's Tier 1 Capital Ratio?▼
Waycross Bank & Trust has a Tier 1 Capital Ratio of 19.35%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Waycross Bank & Trust?▼
Waycross Bank & Trust has a Texas Ratio of 1.40%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Waycross Bank & Trust?▼
Waycross Bank & Trust has an Efficiency Ratio of 61.76%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Waycross Bank & Trust's profile as a depositor or analyst.
- Waycross Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Waycross Bank & Trust against other Georgia banks before moving funds. Georgia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.