Is Waycross Bank&Trust Safe?
Waycross Bank&Trust has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (55/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 17.44% | 100/100 |
| Nonperforming Loan Ratio | 0.10% | 98/100 |
| Liquidity Ratio | 42.26% | 100/100 |
| Return on Assets | 0.88% | 55/100 |
| Total Assets | $0.2B | |
How does Waycross Bank&Trust compare?
With a Bank Health Score of 95/100, Waycross Bank&Trust sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within Georgia, where 123 FDIC-insured banks are headquartered, Waycross Bank&Trust ranks above the state average of 76/100 (Grade B).
The bank's Tier 1 capital ratio of 17.44% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.10% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Waycross Bank&Trust's Bank Health Score fell by 2.0 points to 95/100. Tier 1 capital weakened by 0.85 percentage points to 17.44%.
Waycross Bank&Trust has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (55/100).