Bank call report · Waycross, GA
Waycross Bank & Trust Call Report
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Waycross Bank & Trust filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 253 reported line items, schedule by schedule (428 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 1191352 |
| FDIC certificate number | 27254 |
| Total assets | $242.2M |
Official Q2 2026 call report PDF (FFIEC) →
Waycross Bank & Trust call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Waycross Bank & Trust balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $242.2M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $242.2M |
| Total Liabilities and Minority Interest | RCON2948 | $221.4M |
| Total Deposits | RCON2200 | $217.3M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $165.2M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $125.1M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $122.8M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $86.4M |
| Deposits: Noninterest-bearing | RCON6631 | $52.1M |
| Interest-bearing Balances | RCON0071 | $25.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $23.1M |
| Total Equity Capital | RCON3210 | $20.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $20.7M |
| Accumulated Other Comprehensive Income | RCONB530 | -$9.3M |
| Surplus | RCON3839 | $6.5M |
| Other Assets | RCON2160 | $4.7M |
| Other Borrowed Money | RCON3190 | $2.5M |
| Allowance for Loan and Lease Losses | RCON3123 | $2.4M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $2.1M |
| Other Liabilities, Total | RCON2930 | $1.6M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $985K |
| Common Stock | RCON3230 | $393K |
| Federal Funds Sold | RCONB987 | $150K |
| Other Real Estate Owned | RCON2150 | $79K |
Schedule RI: Income Statement (37 items)
About Schedule RI · Waycross Bank & Trust income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $5.4M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $4.0M |
| Net Interest Income | RIAD4074 | $3.8M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $2.8M |
| Total Noninterest Expense | RIAD4093 | $2.6M |
| Total Interest Expense | RIAD4073 | $1.7M |
| Other Noninterest Expense | RIAD4092 | $1.6M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $1.5M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.5M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $1.5M |
| Net Income (Loss) | RIAD4340 | $1.5M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.5M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $918K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $884K |
| Salaries and Employee Benefits | RIAD4135 | $865K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $642K |
| Total Noninterest Income | RIAD4079 | $407K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $393K |
| Other Noninterest Income | RIADB497 | $327K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $289K |
| Interest on Other Securities | RIAD4060 | $283K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $268K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $218K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $213K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $208K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $86K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $79K |
| Other Interest Expense | RIADGW44 | $48K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $36K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $28K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $18K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $17K |
| Other Interest Income | RIAD4518 | $9K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $3K |
| Noninterest income: Income from insurance activities | RIADHT74 | $1K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 16 |
Schedule RC-B: Securities (26 items)
About Schedule RC-B · Waycross Bank & Trust securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $95.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $42.9M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $38.7M |
| Pledged Securities | RCON0416 | $36.5M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $26.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $25.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $24.8M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $23.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $17.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $15.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $13.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $12.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $8.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $7.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $6.2M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $1.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $1.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $1.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $1.2M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $1.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $974K |
| Amortized Cost of Structured Notes | RCON8782 | $500K |
| Fair Value of Structured Notes | RCON8783 | $407K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $89K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $68K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $58K |
Schedule RC-C, Part I: Loans and Leases (31 items)
About Schedule RC-C, Part I · Waycross Bank & Trust loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $125.1M |
| Pledged Loans and Leases | RCONG378 | $40.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $38.6M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $30.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $27.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $26.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $26.0M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $24.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $23.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $10.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $10.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $8.3M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $8.2M |
| Commercial and Industrial Loans | RCON1766 | $7.9M |
| Real Estate Loans Secured by Farmland | RCON1420 | $7.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $6.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $3.1M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $3.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $2.9M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $2.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $1.5M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $1.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $1.3M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $902K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $859K |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $747K |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $553K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $122K |
| Unearned Income on Loans | RCON2123 | $92K |
| Other Loans | RCONJ464 | $50K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $4K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (18 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $14.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $2.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $1.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $1.2M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $985K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $594K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $510K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $506K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 51 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 40 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 18 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 15 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 14 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 13 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 9 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 7 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 5 |
Schedule RC-E: Deposit Liabilities (26 items)
About Schedule RC-E · Waycross Bank & Trust deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $132.1M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $106.4M |
| Total Demand Deposits (See Note Below) | RCON2210 | $85.3M |
| Total Transaction Accounts | RCON2215 | $85.3M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $78.8M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $77.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $26.7M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $26.7M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $25.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $20.1M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $15.1M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $10.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $9.7M |
| Total reciprocal deposits | RCONJH83 | $9.3M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $8.9M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $7.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $7.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $6.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $5.4M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $3.4M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $3.4M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $3.3M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $805K |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $743K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $158K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $2.4M |
| Accrued Interest Receivable | RCONB556 | $878K |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $869K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $287K |
| Other Assets | RCON2168 | $226K |
| Prepaid Expenses | RCON2166 | $106K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $931K |
| Deferred Compensation Liabilities | RCONC011 | $795K |
| Other Expenses Accrued and Unpaid | RCON3646 | $402K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $196K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $60K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Waycross Bank & Trust quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $247.5M |
| Quarterly Average of Total Loans | RCON3360 | $126.6M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $91.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $87.8M |
| Mortgage-backed Securities | RCONB559 | $48.7M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $35.9M |
| All Other Securities | RCONB560 | $26.7M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $25.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $23.2M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $21.4M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $18.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $16.3M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $8.2M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $2.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $999K |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $161K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · Waycross Bank & Trust derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $5.3M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $2.3M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $935K |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $855K |
| Commercial and Similar Letters of Credit | RCON3411 | $753K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $615K |
Schedule RC-M: Memoranda (5 items)
About Schedule RC-M · Waycross Bank & Trust memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $5.6M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $2.5M |
| FHLB Advances: Structured Advances | RCONF059 | $2.5M |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $79K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 5 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (11 items)
About Schedule RC-N · Waycross Bank & Trust past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $269K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $254K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $198K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $162K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 90 Days or More and Still Accruing | RCON3494 | $42K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $42K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $24K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $15K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $9K |
| Additions to Nonaccrual Assets | RCONC410 | $6K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $3K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Waycross Bank & Trust other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $247.5M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $217.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $119.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $94.6M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $29.8M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $3.0M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $321K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 5,363 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 130 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 113 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)
About Schedule RC-R, Part I · Waycross Bank & Trust regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $247.5M |
| Average total consolidated assets | RCOAKW03 | $247.5M |
| Total Assets | RCOA2170 | $242.2M |
| Common Equity Tier 1 Capital | RCOAP859 | $30.1M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $30.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $30.1M |
| Retained Earnings | RCOAKW00 | $23.1M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $20.7M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $10.8M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $10.1M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$9.3M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$9.3M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $6.9M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $753K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1215 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0446 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $20.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $20.0M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $20.0M |
| Other Comprehensive Income | RIADB511 | -$591K |
| Cash Dividends Declared on Common Stock | RIAD4460 | $260K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (4 items)
About Schedule RI-B, Part I · Waycross Bank & Trust charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $3K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $3K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $1K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Waycross Bank & Trust changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $2.4M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $2.4M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $1K |
Waycross Bank & Trust call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Waycross Bank & Trust call report?
The Waycross Bank & Trust call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Waycross Bank & Trust file?
Waycross Bank & Trust files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Waycross Bank & Trust call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Waycross Bank & Trust has Federal Reserve RSSD ID 1191352 and FDIC certificate number 27254. Either one finds its filings on the FFIEC Central Data Repository.
How often does Waycross Bank & Trust file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Waycross Bank & Trust financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 27254) · FFIEC NIC profile (RSSD 1191352)