Waycross Bank & Trust: how it compares with its peers
Against 67 GA banks with half to twice its assets, Waycross Bank & Trust's strongest measure in Q2 2026 is assets per employee ($15.1M vs. a $6.5M peer median). Its weakest relative measure is net interest margin (3.28% vs. 4.66%).
| Measure | Waycross Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.30% | 1.55% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.28% | 4.66% | Bottom third Ahead of 10% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.12% | 59.19% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $15.1M | $6.5M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 56.49% | 78.89% | Context |
What it means for lending operations
Its efficiency ratio of 63.12% is above the 59.19% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Loyal Trust Bank Johns Creek, GA · $235M
- Bank of Alapaha Alapaha, GA · $251M
- The Peoples Bank of Georgia Talbotton, GA · $252M
- The First National Bank of Waynesboro Waynesboro, GA · $229M
- Embassy National Bank Lawrenceville, GA · $228M
- AB&T Albany, GA · $261M
Questions about Waycross Bank & Trust
How big is Waycross Bank & Trust?
Waycross Bank & Trust, established in 1988, is headquartered in Waycross, GA. It reported $242M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Waycross Bank & Trust's return on assets?
1.30% annualized in Q2 2026, against a 1.55% median for 67 GA banks with half to twice its assets, ahead of 33% of them.
What is Waycross Bank & Trust's efficiency ratio?
63.12% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 59.19%, and lower is better.
Is Waycross Bank & Trust growing its loans?
Net loans shrank 9.0% over the year to Q2 2026, while deposits shrank 5.0%.
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.