Is My Money Safe at Waycross Bank&Trust?
Waycross Bank&Trust (FDIC cert #27254) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, Waycross Bank&Trust carries a Bank Health Score of 95/100 (grade A) from FDIC call report data, with its strongest factor being Tier 1 capital (100/100) and profitability its weakest (55/100).
This page answers a common banking-safety question: Is My Money Safe at Waycross Bank&Trust?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Are your deposits at Waycross Bank&Trust protected?
Waycross Bank&Trust is FDIC-insured under certificate #27254. That means your deposits are guaranteed by the U.S. government up to $250,000 per depositor, per ownership category — and if the bank ever failed, the FDIC has historically made insured depositors whole within days, usually by the next business day. Checking, savings, money market, and CD balances are all covered; investment products like stocks, bonds, mutual funds, and annuities are not.
Because of that insurance, the practical question for most depositors is not whether your insured money is safe — it is — but whether Waycross Bank&Trust is financially healthy enough that your above-limit balances, business accounts, or banking relationship are on solid ground.Waycross Bank&Trust carries a Bank Health Score of 95/100 (grade A). Its Tier 1 capital ratio of 17.44% sits comfortably above the 8% "well-capitalized" threshold.
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%.
Frequently Asked Questions
Waycross Bank&Trust (FDIC cert #27254) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, Waycross Bank&Trust carries a Bank Health Score of 95/100 (grade A) from FDIC call report data, with its strongest factor being Tier 1 capital (100/100) and profitability its weakest (55/100).
Yes. Waycross Bank&Trust (FDIC certificate #27254) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
Waycross Bank&Trust's Bank Health Score of 95/100 is 19.0 points above the Georgia state average of 76/100. 123 FDIC-insured banks are headquartered in Georgia.
More about Waycross Bank&Trust
Waycross Bank&Trust (FDIC cert #27254) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, Waycross Bank&Trust carries a Bank Health Score of 95/100 (grade A) from FDIC call report data, with its strongest factor being Tier 1 capital (100/100) and profitability its weakest (55/100).