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The First National Bank Of Waynesboro
Waynesboro, GA · FDIC Certificate #2160 · Chartered 01/0
Total assets
$229.10M
Total deposits
$182.70M
Total equity
$44.24M
Net loans
$151.01M
Branches (offices)
2
Net income (YTD)
$2.65M
Rank: #2,815 of 4,213 U.S. banks by assets · #82 of 123 in Georgia. Assets changed 3.1% and deposits 1.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.33% |
| Return on equity | 12.36% |
| Net interest margin (YTD) | 5.12% |
| Equity to assets | 19.31% |
| Tier 1 leverage ratio | 19.14% |
| Uninsured deposits (share of deposits) | 22.6% |
| Noncurrent loans (share of loans) | 0.20% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 82.7% |
| Real estate loans (share of loans) | 68.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $102.75M | 68.0% | |
| Commercial & industrial | $12.92M | 8.6% | |
| Consumer / individual | $25.09M | 16.6% | |
| Construction & development | $5.04M | 3.3% | |
| Agricultural | $10.85M | 7.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $203.89M | $174.71M | $1.37M | $27.72M |
| Jun 2023 | $207.52M | $174.84M | $2.33M | $31.12M |
| Jun 2024 | $207.88M | $170.61M | $2.51M | $35.17M |
| Jun 2025 | $222.23M | $180.78M | $2.55M | $39.28M |
| Jun 2026 | $229.10M | $182.70M | $2.65M | $44.24M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $182.70M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $182.70M.
Similar-sized banks
Eagle Valley Bank ($229.62M) · The Citizens National Bank ($228.97M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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