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Waycross Bank & Trust
Waycross, GA · FDIC Certificate #27254 · Chartered 06/0
Total assets
$242.18M
Total deposits
$217.35M
Total equity
$20.74M
Net loans
$122.78M
Branches (offices)
1
Net income (YTD)
$1.55M
Rank: #2,756 of 4,213 U.S. banks by assets · #80 of 123 in Georgia. Assets changed -3.2% and deposits -5.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.30% |
| Return on equity | 15.13% |
| Net interest margin (YTD) | 3.28% |
| Equity to assets | 8.56% |
| Tier 1 leverage ratio | 12.15% |
| Uninsured deposits (share of deposits) | 40.1% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 56.5% |
| Real estate loans (share of loans) | 94.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $115.71M | 94.2% | |
| Commercial & industrial | $7.88M | 6.4% | |
| Consumer / individual | $1.03M | 0.8% | |
| Construction & development | $4.95M | 4.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $218.56M | $206.80M | $1.20M | $10.49M |
| Jun 2023 | $221.86M | $203.64M | $1.34M | $11.46M |
| Jun 2024 | $242.91M | $225.00M | $1.03M | $13.81M |
| Jun 2025 | $250.06M | $228.69M | $1.59M | $17.45M |
| Jun 2026 | $242.18M | $217.35M | $1.55M | $20.74M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $217.35M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $217.35M.
Similar-sized banks
The Idabel National Bank ($242.27M) · Arcadian Bank ($242.15M)
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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