The First National Bank of Waynesboro: how it compares with its peers
Against 66 GA banks with half to twice its assets, The First National Bank of Waynesboro's strongest measure in Q2 2026 is return on assets (2.33% vs. a 1.53% peer median). Its weakest relative measure is assets per employee ($7.2M vs. $6.5M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.33% | 1.53% | Top third Ahead of 89% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.12% | 4.58% | Top third Ahead of 82% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.00% | 59.70% | Top third Ahead of 89% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $6.5M | Middle third Ahead of 58% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.65% | 77.25% | Context |
What it means for lending operations
Its efficiency ratio of 47.00% is better than the 59.70% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Embassy National Bank Lawrenceville, GA · $228M
- Loyal Trust Bank Johns Creek, GA · $235M
- Citizens Community Bank Hahira, GA · $222M
- Mount Vernon Bank Mount Vernon, GA · $218M
- Waycross Bank & Trust Waycross, GA · $242M
- First Bank of Coastal Georgia Pembroke, GA · $216M
Questions about The First National Bank of Waynesboro
How big is The First National Bank of Waynesboro?
The First National Bank of Waynesboro, established in 1905, is headquartered in Waynesboro, GA. It reported $229M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The First National Bank of Waynesboro's return on assets?
2.33% annualized in Q2 2026, against a 1.53% median for 66 GA banks with half to twice its assets, ahead of 89% of them.
What is The First National Bank of Waynesboro's efficiency ratio?
47.00% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 59.70%, and lower is better.
Is The First National Bank of Waynesboro growing its loans?
Net loans grew 8.2% over the year to Q2 2026, while deposits grew 1.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.