Waycross Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 419.97 percentage points in Q2 2026, from 455.13% to 875.09%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Waycross Bank & Trust is 84th of 121 on return on assets, 1.27% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; Waycross Bank & Trust reported 1.27% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.15% |
| Equity capital to assets | 8.56% |
| Tangible equity to tangible assets | 8.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.21% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 1.69% |
| Allowance for credit losses to loans | 1.88% |
| Reserve coverage of non-performing loans | 875.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.27% |
| Return on equity | 15.21% |
| Net interest margin | 3.20% |
| Efficiency ratio | 63.03% |
| Yield on earning assets | 4.57% |
| Cost of funds | 1.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.57% |
| Core deposits to total deposits | 87.70% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.75% |
| Securities to assets | 35.67% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.28% | 18.28% | 19.54% | 10.97% | 0.95% |
| Q4 2023 | 18.48% | 18.48% | 19.73% | 10.73% | 0.92% |
| Q1 2024 | 18.15% | 18.15% | 19.41% | 10.74% | 0.73% |
| Q2 2024 | 17.44% | 17.44% | 18.69% | 10.69% | 0.93% |
| Q3 2024 | 17.41% | 17.41% | 18.66% | 10.66% | 1.00% |
| Q4 2024 | 16.93% | 16.93% | 18.18% | 10.44% | 0.75% |
| Q1 2025 | 18.06% | 18.06% | 19.31% | 10.77% | 1.23% |
| Q2 2025 | 18.82% | 18.82% | 20.07% | 11.19% | 1.23% |
| Q3 2025 | 20.08% | 20.08% | 21.33% | 11.35% | 1.18% |
| Q4 2025 | 19.35% | 19.35% | 20.60% | 11.31% | 1.20% |
| Q1 2026 | — | — | — | 12.08% | 1.25% |
| Q2 2026 | — | — | — | 12.15% | 1.27% |
Waycross Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Waycross Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)