The First National Bank of Waynesboro: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank of Waynesboro of Waynesboro, GA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.24% | 1.35% | +0.89% | 91st top |
| ROAE Ahead of the peer average, behind the median peer. | 12.18% | 12.05% | +0.13% | 49th below |
| Net Interest Margin | 5.11% | 3.90% | +1.21% | 94th top |
| Efficiency Ratio | 46.64% | 63.16% | -16.52% | 87th top |
| PPNR / Avg Assets | 3.08% | 1.64% | +1.44% | 96th top |
| Yield on Earning Assets | 6.17% | 5.65% | +0.52% | 76th top |
| Cost of Funds | 1.29% | 1.85% | -0.56% | 80th top |
| Net Interest Spread | 4.36% | 3.35% | +1.01% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.92% | -0.80% | 71st above |
| NPA / Total Assets | 0.08% | 0.67% | -0.59% | 73rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 32nd below |
| ACL / Total Loans | 1.32% | 1.28% | +0.04% | 64th above |
| ACL / NPLs (Coverage) | 1125.14% | 1645.36% | -520.22% | — |
| Texas Ratio | 0.67% | 7.15% | -6.48% | 77th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 333.33% | 1189.72% | -856.39% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 34.39% | 20.82% | +13.57% | 95th top |
| Tier 1 Ratio | 34.39% | 20.85% | +13.54% | 95th top |
| Total Capital Ratio | 35.65% | 21.93% | +13.72% | 95th top |
| Leverage Ratio | 19.14% | 12.46% | +6.68% | 95th top |
| Equity / Assets | 19.31% | 11.67% | +7.64% | 96th top |
| TCE / Tangible Assets | 19.31% | 11.40% | +7.91% | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.75% | 78.64% | +5.11% | 43rd below |
| Core Deposit Ratio | 93.19% | 87.09% | +6.10% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.09% | 6.48% | -3.39% | 40th below |
| Loan Growth (Y/Y) | 8.13% | 7.64% | +0.49% | 66th above |
| Deposit Growth (Y/Y) | 1.06% | 6.02% | -4.96% | 29th below |
See The First National Bank of Waynesboro's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Waynesboro, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First National Bank of Waynesboro profile, how to read a UBPR, or how this data updates.