Waycross Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Waycross Bank & Trust is an FDIC-insured commercial bank headquartered in Waycross, GA, established in 1988 (FDIC certificate 27254), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $242.2M, down 3.2% from Q2 2025, the 79th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.15% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27254
- Headquarters
- Waycross, GA
- Established
- 1988
- Total assets, Q2 2026
- $242.2M
- Assets vs Q2 2025
- -3.2%
- Tier 1 leverage ratio, Q2 2026
- 12.15%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 061204052
- Latest call report
- Q2 2026, FFIEC 051 · Waycross Bank & Trust call report
- Holding company
- WB&T BANKSHARES, INC.
- Asset rank in state
- 79th of 121 in Georgia
Waycross Bank & Trust, based in Waycross, Georgia, reported $242 million in assets at June 30, 2026, down 3.2% from a year earlier. It shrank its loan book 8.8% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also keeps 3.20 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $9.3 million equal 31% of Tier 1 capital, down from 39% a year earlier. The balance sheet shrank over the year: over the year loans fell 8.8% and deposits fell 5.0%.
As of June 30, 2026, Waycross Bank & Trust reported a return on assets of 1.27%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 1.69%. The figures come from its call report filed with the FFIEC.
Waycross Bank & Trust ranks as the 79th largest of the 121 banks based in Georgia, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.5% to $242.2M, loans fell 3.5% and deposits rose 3.8%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 30.9% of total loans, followed by owner-occupied commercial real estate loans at 24.6%. The FDIC Summary of Deposits lists a single office for it, in Waycross, GA. On its Q2 2026 call report, Waycross Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 501 Tebeau St, Waycross, GA 31501
- County
- Ware
- Metro Area
- Waycross, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1988
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $217.3M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $247.5M
- Average total loans
- $126.6M
- Average interest-bearing deposits
- $163.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 1, 1988
- FDIC Cert
- 27254
- Fed RSSD
- 1191352
- SEC CIK
- 855354 → filed by WB&T BANKSHARES, INC.
- Website
- www.wbt.bank →
- Parent Holding Company
- WB&T BANKSHARES, INC. (RSSD 1493636)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Waycross Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Waycross Bank & Trust's total assets ran between $222.3M (Q3 2023) and $254.5M (Q4 2024), 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
$242.2M total assets against $250.1M; $221.4M total liabilities against $232.6M.
$122.8M net loans and leases against $134.9M; $217.3M total deposits against $228.7M.
$86.4M securities against $78.2M; $27.2M cash and balances due against $31.4M.
$2.8M total interest income against $2.9M; $830K total interest expense against $967K.
$1.9M net interest income against $1.9M.
$207K total noninterest income against $199K; $1.4M total noninterest expense against $1.3M.
$0 provision for credit losses against $21K.
$786K net income against $786K.
1.27% return on assets against 1.23%; 3.20% net interest margin against 3.11%.
12.15% tier 1 leverage ratio against 11.19%.
Inside the full Waycross Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWaycross Bank & Trust rankings
Its closest position to the top of a national ranking is 1,833 of 3,611, for ROA; its furthest is 2,391 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.75% (Q4 2024) to 1.27% (Q2 2026) and its net interest margin ran from 2.86% (Q3 2024) to 3.20% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.15% | 1.27% | 0.25% | 1.69% | 3.20% |
| Q1 2026 | 12.08% | 1.25% | 0.46% | 2.58% | 3.11% |
| Q4 2025 | 11.31% | 1.20% | 0.24% | 1.40% | 3.13% |
| Q3 2025 | 11.35% | 1.18% | 0.13% | 0.76% | 3.07% |
| Q2 2025 | 11.19% | 1.23% | 0.20% | 1.39% | 3.11% |
| Q1 2025 | 10.77% | 1.23% | 0.05% | 0.40% | 3.04% |
| Q4 2024 | 10.44% | 0.75% | 0.05% | 0.41% | 2.94% |
| Q3 2024 | 10.66% | 1.00% | 0.03% | 0.18% | 2.86% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Waycross Bank & Trust (main office) | Waycross , GA | 31501 | $217.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 107 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $452K approved, $452K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (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 Waycross Bank & Trust
What are Waycross Bank & Trust's total assets?
As of the Q2 2026 filing, Waycross Bank & Trust reported total assets of $242.2 million in its FFIEC call report.
Where is Waycross Bank & Trust headquartered?
It is headquartered in Waycross, GA, United States.
When was Waycross Bank & Trust founded?
It was established in 1988, per the FDIC institution directory.
Is Waycross Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27254). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Waycross Bank & Trust?
Waycross Bank & Trust's primary federal regulator is the FDIC.
How many branches does Waycross Bank & Trust operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Waycross Bank & Trust's Texas Ratio?
Its Texas Ratio is 1.69% 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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