Waycross Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Waycross Bank & Trust of Waycross, 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 Behind the peer average, ahead of the median peer. | 1.27% | 1.34% | -0.07% | 50th above |
| ROAE | 15.21% | 13.31% | +1.90% | 67th above |
| Net Interest Margin | 3.20% | 3.93% | -0.73% | 16th bottom |
| Efficiency Ratio | 63.03% | 61.14% | +1.89% | 45th below |
| PPNR / Avg Assets | 1.27% | 1.68% | -0.41% | 32nd below |
| Yield on Earning Assets | 4.57% | 5.67% | -1.10% | 10th bottom |
| Cost of Funds | 1.54% | 1.88% | -0.34% | 67th above |
| Net Interest Spread | 2.57% | 3.32% | -0.75% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.21% | 0.94% | -0.73% | 63rd above |
| NPA / Total Assets | 0.14% | 0.70% | -0.56% | 65th above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 83rd top |
| ACL / Total Loans | 1.88% | 1.28% | +0.60% | 91st top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 875.09% | 1538.84% | -663.75% | 81st top |
| Texas Ratio | 1.69% | 7.33% | -5.64% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.15% | 12.14% | +0.01% | 66th above |
| Equity / Assets | 8.56% | 11.37% | -2.81% | 20th bottom |
| TCE / Tangible Assets | 8.56% | 11.09% | -2.53% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.57% | 80.64% | -23.07% | 85th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.70% | 86.86% | +0.84% | 42nd below |
| Wholesale Funding Ratio | 1.03% | 5.03% | -4.00% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.15% | 6.85% | -10.00% | 8th bottom |
| Loan Growth (Y/Y) | -8.82% | 7.91% | -16.73% | 3rd bottom |
| Deposit Growth (Y/Y) | -4.96% | 6.29% | -11.25% | 7th bottom |
See Waycross Bank & Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Waycross Bank & Trust, 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 Waycross Bank & Trust profile, how to read a UBPR, or how this data updates.