The First National Bank of Waynesboro
Also written as FNB of Waynesboro
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Waynesboro is an FDIC-insured commercial bank headquartered in Waynesboro, GA, established in 1905 (FDIC certificate 2160), and it is supervised by the OCC. At Q2 2026 it reported total assets of $229.1M, up 3.1% from Q2 2025, the 81st largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 34.39% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2160
- Headquarters
- Waynesboro, GA
- Established
- 1905
- Total assets, Q2 2026
- $229.1M
- Assets vs Q2 2025
- +3.1%
- CET1 ratio, Q2 2026
- 34.39%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 061202245
- Latest call report
- Q2 2026, FFIEC 041 · The First National Bank of Waynesboro call report
- Holding company
- FIRST BURKE BANKING COMPANY
- Asset rank in state
- 81st of 121 in Georgia
The First National Bank of Waynesboro is one of the more profitable banks of its size. Based in Waynesboro, Georgia, it had $229 million in assets at June 30, 2026, up 3.1% from a year earlier. It earns about $2.24 a year on every $100 of assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median $1.28). It also keeps 5.11 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.96 cents). Much of that comes from cost control: it spends about 47 cents to bring in each dollar of revenue.
Loans are outrunning deposits: over the year loans rose 8.1% and deposits rose 1.1%.
As of June 30, 2026, The First National Bank of Waynesboro reported a CET1 capital ratio of 34.39%, a return on assets of 2.24%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 0.67%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First National Bank of Waynesboro is the 81st largest of the 121 banks headquartered in Georgia. Between Q1 2026 and Q2 2026, its total assets rose 1.1% to $229.1M, loans rose 4.7% and deposits rose 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 52.6% of total loans, followed by other consumer loans at 8.5%. Its 2 offices in the FDIC Summary of Deposits are in Waynesboro, GA. On its Q2 2026 call report, The First National Bank of Waynesboro meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 626 N Liberty St, Waynesboro, GA 30830
- County
- Burke
- Metro Area
- Augusta-Richmond County, GA-SC
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1905
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 32
- Domestic deposits
- $182.7M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $36K
- Average total assets
- $237.0M
- Average total loans
- $149.7M
- Average interest-bearing deposits
- $138.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2160
- Fed RSSD
- 31134
- Website
- www.fnbwaynesboro.com →
- Parent Holding Company
- FIRST BURKE BANKING COMPANY (RSSD 1137752)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The First National Bank of Waynesboro's total assets ranged from $197.2M (Q3 2023) to $229.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$229.1M total assets against $222.2M; $184.9M total liabilities against $182.9M.
$151.0M net loans and leases against $139.6M; $182.7M total deposits against $180.8M.
$25.5M securities against $25.0M; $44.8M cash and balances due against $49.4M.
$3.5M total interest income against $3.4M; $605K total interest expense against $610K.
$2.9M net interest income against $2.8M.
$556K total noninterest income against $517K; $1.6M total noninterest expense against $1.5M.
$60K provision for credit losses against $60K.
$1.3M net income against $1.2M.
2.24% return on assets against 2.20%; 5.11% net interest margin against 5.09%.
34.39% CET1 capital ratio against 32.86%; 19.14% tier 1 leverage ratio against 17.98%.
Inside the full The First National Bank of Waynesboro terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Waynesboro rankings
Its closest position to the top of a national ranking is 42 of 2,134, for CET1 ratio; its furthest is 2,875 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.94% (Q4 2025) to 2.34% (Q1 2026) and its net interest margin ran from 4.67% (Q1 2025) to 5.17% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 34.39% | 2.24% | 0.20% | 0.67% | 5.11% |
| Q1 2026 | 34.67% | 2.34% | 0.17% | 0.54% | 4.91% |
| Q4 2025 | 33.88% | 1.94% | 0.23% | 0.77% | 5.10% |
| Q3 2025 | 33.16% | 2.31% | 0.11% | 0.38% | 5.16% |
| Q2 2025 | 32.86% | 2.20% | 0.23% | 0.78% | 5.09% |
| Q1 2025 | 32.93% | 2.24% | 0.18% | 0.60% | 4.67% |
| Q4 2024 | 31.34% | 2.14% | 0.15% | 0.52% | 4.90% |
| Q3 2024 | 30.45% | 2.20% | 0.40% | 1.45% | 5.17% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Waynesboro | Waynesboro , GA | 30830 | $182.7M |
| Sixth Street Branch | Waynesboro , GA | 30830 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 116 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $103K approved, $103K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First National Bank of Waynesboro
What are The First National Bank of Waynesboro's total assets?
As of the Q2 2026 filing, The First National Bank of Waynesboro reported total assets of $229.1 million in its FFIEC call report.
Where is The First National Bank of Waynesboro headquartered?
It is headquartered in Waynesboro, GA, United States.
When was The First National Bank of Waynesboro founded?
It was established in 1905, per the FDIC institution directory.
Is The First National Bank of Waynesboro FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2160). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Waynesboro?
The First National Bank of Waynesboro's primary federal regulator is the OCC.
What is The First National Bank of Waynesboro's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 34.39% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of Waynesboro operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Waynesboro's Texas Ratio?
Its Texas Ratio is 0.67% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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