Wayne County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Wayne County Bank of Waynesboro, TN against its peer group of 2757 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 | 1.83% | 1.25% | +0.58% | 79th top |
| ROAE | 13.98% | 13.17% | +0.81% | 59th above |
| Net Interest Margin | 4.65% | 3.95% | +0.70% | 84th top |
| Efficiency Ratio | 45.07% | 61.50% | -16.43% | 89th top |
| PPNR / Avg Assets | 2.57% | — | — | 90th top |
| Yield on Earning Assets | 7.22% | 5.67% | +1.55% | 96th top |
| Cost of Funds | 2.51% | 1.87% | +0.64% | 15th bottom |
| Net Interest Spread | 4.19% | — | — | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.18% | 0.93% | +0.25% | 24th bottom |
| NPA / Total Assets | 0.88% | — | — | 23rd bottom |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 91st top |
| ACL / Total Loans | 1.19% | — | — | 49th below |
| ACL / NPLs (Coverage) | 100.60% | — | — | 28th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.00% | 6.06% | -2.06% | 41st below |
| Provision / NCO | 178.57% | — | — | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.58% | 11.75% | +1.83% | 79th top |
| Equity / Assets | 13.08% | 10.98% | +2.10% | 79th top |
| TCE / Tangible Assets | 13.08% | — | — | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.20% | 80.44% | +2.76% | 45th below |
| Core Deposit Ratio | 79.65% | 86.95% | -7.30% | 15th bottom |
| Wholesale Funding Ratio | 1.14% | — | — | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.99% | — | — | 54th above |
| Loan Growth (Y/Y) | 4.07% | — | — | 42nd below |
| Deposit Growth (Y/Y) | 3.90% | — | — | 49th below |
See Wayne County Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Wayne County Bank, 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 Wayne County Bank profile, how to read a UBPR, or how this data updates.