Waycross Bank & Trust: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 4.81 percentage points in Q2 2026, from 164.64% to 159.83%. It was the largest change from Q1 2026 among the key lines here. Waycross Bank & Trust ranks 98th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 57.57% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Waycross Bank & Trust sits 23.27 points lower, at 57.57% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $125.1M |
| Net loans and leases | $122.8M |
| Loans held for sale | $0 |
| Loans to total assets | 51.67% |
| Loan-to-deposit ratio | 57.57% |
| Net loans to equity capital | 5.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 55.40% |
| Multifamily (5+ residential) | 6.59% |
| Commercial and industrial | 6.30% |
| Consumer | 0.82% |
| Credit cards | 0.00% |
| Farm | 6.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.44% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 159.83% |
| Construction concentration (Tier 1 capital + allowance) | 15.26% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.25% |
| Interest income on loans | $2.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $124.2M | $207.8M | 46.93% | 8.55% | 0.75% |
| Q4 2023 | $124.8M | $211.0M | 51.91% | 9.67% | 0.71% |
| Q1 2024 | $126.5M | $220.6M | 52.75% | 8.82% | 0.77% |
| Q2 2024 | $136.7M | $225.0M | 50.68% | 8.31% | 0.71% |
| Q3 2024 | $139.8M | $224.7M | 48.80% | 7.87% | 0.68% |
| Q4 2024 | $143.9M | $235.5M | 48.68% | 7.39% | 0.70% |
| Q1 2025 | $140.2M | $221.1M | 48.63% | 7.20% | 0.65% |
| Q2 2025 | $137.2M | $228.7M | 50.61% | 5.47% | 0.60% |
| Q3 2025 | $129.1M | $221.1M | 57.76% | 4.54% | 0.68% |
| Q4 2025 | $132.3M | $216.5M | 57.28% | 6.64% | 0.53% |
| Q1 2026 | $129.7M | $209.4M | 55.46% | 6.37% | 0.76% |
| Q2 2026 | $125.1M | $217.3M | 55.40% | 6.30% | 0.82% |
Waycross Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Waycross Bank & Trust, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Waycross Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27254) · FFIEC NIC profile (RSSD 1191352)