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Waycross Bank & Trust Locations & Branches Waycross, Georgia
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Waycross Bank & Trust operates 1 branch from its headquarters in Waycross, GA, .
Waycross Bank & Trust branch network
Its one office is in Waycross, GEORGIA. It had the same number of branches on June 30, 2025.
Waycross Bank & Trust at a glance
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.
- Total assets, Q2 2026
- $242.2M
- Tier 1 leverage ratio, Q2 2026
- 12.15%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1988
Full financial profile · Is Waycross Bank & Trust safe? · Waycross Bank & Trust call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Waycross, GA (1 branch) | 3 of 7 | 22.4% | $217.3M |
| State: GA (1 branch) | 107 of 177 | <0.1% | $217.3M |
Ranked by total assets among banks headquartered in the state: Largest banks in Georgia.
Share by county and metro area
Waycross Bank & Trust's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Ware, GA (1 branch) | 3 of 7 | 22.4% | $217.3M | $971.8M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Waycross, GA (1 branch) | 3 of 7 | 17.0% | $217.3M | $1.28B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Waycross Bank & Trust (main office) | Waycross, GA | 31501 | $217.3M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 27254) · FFIEC NIC profile (RSSD 1191352)