BanksWAYNE COUNTY BANK

WAYNE COUNTY BANK

WAYNESBORO, TNMediumEst. Feb. 14, 1914, midnightFDIC #9168RSSD #511832FED
Latest · 2025-12-31

WAYNE COUNTY BANK is an 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 4.62%. CET1 capital ratio: 12.72%, well above regulatory minimums. NPL ratio: 1.07% · Texas Ratio: 5.81%. Operates 8 domestic branches.

Assets
$579M
Deposits
$495M
Loans
$426M
Equity
$74M

Profitability

Return on Assets (ROA)1.73%
Return on Equity (ROE)13.68%
Net Interest Margin4.62%
Yield on Assets7.36%
Cost of Funds2.75%

Asset Quality

NPL Ratio1.07%
Net Charge-Off Ratio0.11%
Texas Ratio5.81%
NPA Ratio0.79%
ACL / Loans1.14%

Capital & Liquidity

CET1 Ratio12.72%
Tier 1 Capital12.72%
Total Capital Ratio13.36%
Leverage Ratio13.17%
Loan-to-Deposit86.12%

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