Wayne County Bank
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Data as of · sourced from FFIEC call reports. How we update
Wayne County Bank is an FDIC-insured commercial bank headquartered in Waynesboro, TN, established in 1914 (FDIC certificate 9168), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $595.1M, up 5.0% from Q2 2025, the 48th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.58% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 9168
- Headquarters
- Waynesboro, TN
- Established
- 1914
- Total assets, Q2 2026
- $595.1M
- Assets vs Q2 2025
- +5.0%
- Tier 1 leverage ratio, Q2 2026
- 13.58%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 064105734
- Latest call report
- Q2 2026, FFIEC 051 · Wayne County Bank call report
- Holding company
- WAYNE COUNTY BANCSHARES, INC.
- Asset rank in state
- 48th of 109 in Tennessee
Wayne County Bank runs leaner than most banks of its size. Based in Waynesboro, Tennessee, it had $595 million in assets at June 30, 2026, up 5.0% from a year earlier. It spends about 45 cents to bring in each dollar of revenue, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 2.51% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Net income for the quarter rose 11% from a year earlier, to $2.7 million.
As of June 30, 2026, Wayne County Bank reported a return on assets of 1.83%, a nonperforming-loan ratio of 0.72% and a Texas ratio of 4.00%. The figures come from its call report filed with the FFIEC.
Wayne County Bank ranks as the 48th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.1% to $595.1M, loans rose 0.1% and deposits rose 2.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 23.9% of total loans, ahead of owner-occupied commercial real estate loans at 17.1%. The FDIC Summary of Deposits lists 8 offices for it, in 6 cities in TN; its Waynesboro 3 offices book 57% of its branch deposits. Judged on its Q2 2026 call report, Wayne County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 216 S High St, Waynesboro, TN 38485
- County
- Wayne
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- February 14, 1914
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 92
- Domestic deposits
- $507.1M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- $168K
- Average total assets
- $586.2M
- Average total loans
- $423.4M
- Average interest-bearing deposits
- $418.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9168
- Fed RSSD
- 511832
- Website
- waynecountybank.com →
- Parent Holding Company
- WAYNE COUNTY BANCSHARES, INC. (RSSD 1084829)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Wayne County Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Wayne County Bank's total assets ran between $455.7M (Q3 2023) and $595.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$595.1M total assets against $566.8M; $517.3M total liabilities against $498.5M.
$416.9M net loans and leases against $400.6M; $507.1M total deposits against $488.0M.
$50.6M securities against $61.5M; $91.4M cash and balances due against $70.0M.
$9.0M total interest income against $8.9M; $3.2M total interest expense against $3.5M.
$5.8M net interest income against $5.4M.
$1.1M total noninterest income against $854K; $3.1M total noninterest expense against $2.8M.
$150K provision for credit losses against $174K.
$2.7M net income against $2.4M.
1.83% return on assets against 1.73%; 4.65% net interest margin against 4.53%.
13.58% tier 1 leverage ratio against 12.84%.
Inside the full Wayne County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWayne County Bank rankings
Its closest position to the top of a national ranking is 428 of 3,606, for efficiency ratio; its furthest is 1,574 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.56% (Q3 2024) to 1.86% (Q3 2025) and its net interest margin ran from 4.39% (Q1 2025) to 4.78% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.58% | 1.83% | 0.72% | 4.00% | 4.65% |
| Q1 2026 | 13.52% | 1.82% | 0.71% | 4.03% | 4.74% |
| Q4 2025 | 13.17% | 1.73% | 0.66% | 3.57% | 4.64% |
| Q3 2025 | 13.07% | 1.86% | 0.63% | 3.40% | 4.78% |
| Q2 2025 | 12.84% | 1.73% | 0.74% | 4.12% | 4.53% |
| Q1 2025 | 12.79% | 1.60% | 0.89% | 4.77% | 4.39% |
| Q4 2024 | 12.82% | 1.63% | 0.78% | 4.27% | 4.51% |
| Q3 2024 | 13.23% | 1.56% | 0.83% | 4.35% | 4.58% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Wayne County Bank (main office) | Waynesboro , TN | 38485 | $270.6M |
| Citizens Bank of Lewis County, A Branch of Wayne County Bank | Hohenwald , TN | 38462 | $71.2M |
| Collinwood Branch | Collinwood , TN | 38450 | $70.9M |
| Citizens Bank of Lawrence County, A Branch of Wayne County Bank | Lawrenceburg , TN | 38464 | $37.6M |
| Clifton Branch | Clifton , TN | 38425 | $20.8M |
| Citizens Branch of Lawrence County, A Branch of Wayne County Bank | Loretto , TN | 38469 | $19.3M |
| Court Square Branch | Waynesboro , TN | 38485 | $16.5M |
| 64 East Express Branch | Waynesboro , TN | 38485 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 10, 1991 | Structure Change | Acquired First Federal Savings Association of Waynesboro Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 9, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in TN, rank 69 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $330K approved, $165K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Wayne County Bank
What are Wayne County Bank's total assets?
As of the Q2 2026 filing, Wayne County Bank reported total assets of $595.1 million in its FFIEC call report.
Where is Wayne County Bank headquartered?
It is headquartered in Waynesboro, TN, United States.
When was Wayne County Bank founded?
It was established in 1914, per the FDIC institution directory.
Is Wayne County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9168). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wayne County Bank?
Wayne County Bank's primary federal regulator is the Federal Reserve.
How many branches does Wayne County Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wayne County Bank's Texas Ratio?
Its Texas Ratio is 4.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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