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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 27254 · GA A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #1040/4307
  • PHOTO-FINISH Sanger Bank · TX
  • TIER1-WELL 19.3% Tier 1
  • TEXAS-CLEAN 1.4% Texas
  • ROA-STRONG 1.26% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Georgia: Sanger Bank, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Waycross Bank & Trust

Lowest and highest poles plus nearest scored peers outside Georgia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Amistad Bank · TX · near88/100Denali State Bank · AK · near88/100Lake Forest Bank & T… · IL ·…88/100Sanger Bank · TX · near88/100Waycross Bank & Trust · GA ·…88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Waycross Bank & Trust · July 2026

Call Report read for Waycross Bank & Trust in a high-failure state

Waycross Bank & Trust (FDIC Cert #27254) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,040 of 4,307. Tier 1 capital prints at 19.35%, clearing the 10% well-capitalized line. The Texas Ratio is 1.40%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.26%. Balance-sheet scale is $241M, 2,792nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Sanger Bank (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Waycross Bank & Trust

94 FAILURE resolutions in Georgia since 2000, heavy vs the state corpus

Waycross Bank & Trust sits in one of the heavier post-2000 FAILURE states (94 resolutions; latest year 2016). The list below is state history from the Failed Bank List, not a claim about Waycross Bank & Trust's current Call Report.

  • THE WOODBURY BANKING COMPANY WOODBURY, GA 2016 → UNITED BANK
  • CAPITOL CITY BANK & TRUST COMPANY ATLANTA, GA 2015 → FIRST-CITIZENS BANK & TRUST COMPANY
  • THE BANK OF GEORGIA PEACHTREE CITY, GA 2015 → FIDELITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Georgia banks.

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.

0/100100/100National avg77/10088/100
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 Assets

$241M

Total balance-sheet footings

Total Deposits

$216M

Customer-funded liabilities

Net Loans

$130M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.95% 19.35% 20.75%
Basel III capital ratios - Waycross Bank & Trust

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 24% higher than 76% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Waycross Bank & Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at Waycross Bank & Trust

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

What these ratios mean →

Earnings posture at Waycross Bank & Trust

Return on Assets (ROA)
61st percentile nationally
1.26%
Return on Equity (ROE)
17.40%
Efficiency Ratio
61.76%

What these mean →

Income & expense at Waycross Bank & Trust

$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.

FDIC Failed Bank List → View Waycross Bank & Trust on FDIC BankFind →

Top banks in Georgia by total assets

Largest banks headquartered in Georgia
  1. 1
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  2. 2
    RBC Bank, (Georgia) $8.0B

    Atlanta, GA · Grade A

  3. 3
    Metro City Bank $4.7B

    Doraville, GA · Grade A

  4. 4
    Colony Bank $3.7B

    Fitzgerald, GA · Grade B

  5. 5
    Georgia Banking Company $2.7B

    Atlanta, GA · Grade B

Top 5 banks in Georgia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($241M here), outside Georgia so the neighborhood is not state containment.

Bank of Brookhaven $241M · MS Citizens Bank of the Midwest $241M · MO Farmers & Merchants State Bank $241M · WI Union Bank $240M · TN

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.

Waycross Bank & Trust Call Report profile · FDIC Failed Bank List · Georgia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Georgia

All Georgia banks →
BankAssetsGradeROA
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%