WAYNE COUNTY BANK

WAYNESBORO, TN | Medium | Est. Feb. 14, 1914, midnight | FDIC #9168 | RSSD #511832 | FED
Latest Report: 2025-12-31

WAYNE COUNTY BANK is amn medium FDIC-insured commercial bank headquartered in WAYNESBORO, TN, established in Feb. 14, 1914, midnight. As of 2025-12-31, the bank reported total assets of $579M and total deposits of $495M. Profitability stands at 1.73% ROA and 13.68% ROE, with a net interest margin of 4.37%. The bank's CET1 capital ratio is 12.72%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.59% and a Texas Ratio of 3.21%. FDIC Certificate #9168.

Assets

$579M

Deposits

$495M

Loans

$426M

Equity

$74M

Profitability

Return on Assets (ROA) 1.73%
Return on Equity (ROE) 13.68%
Net Interest Margin (NIM) 4.37%
Yield on Assets 6.96%
Cost of Funds 2.75%

Asset Quality

NPL Ratio 0.59%
Net Charge-Off Ratio 0.06%
Texas Ratio 3.21%
NPA Ratio 0.44%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 12.72%
Tier 1 Capital 12.72%
Total Capital Ratio 13.36%
Leverage Ratio 13.17%
Loan-to-Deposit 86.12%

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