Waycross Bank&Trust Safety Rating
Waycross Bank&Trust's safety rating is grade A, a Bank Health Score of 95/100 built from FDIC call report data. That ranks #318 out of 3,960 FDIC-insured banks nationally (top 8%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Waycross Bank&Trust's best component is Tier 1 capital (100/100) and its weakest is profitability (55/100).
This page answers a common banking-safety question: Waycross Bank&Trust Safety Rating. 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.
Waycross Bank&Trust Safety Rating Breakdown
- Overall rating
- Grade A (95/100)
- National rank
- #318 of 3,960
- Tier 1 capital (35%)
- 100/100
- Loan quality (30%)
- 98/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 55/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Waycross Bank&Trust among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 8% of the 3,960 banks we score.
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's safety rating is grade A, a Bank Health Score of 95/100 built from FDIC call report data. That ranks #318 out of 3,960 FDIC-insured banks nationally (top 8%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Waycross Bank&Trust's best component is Tier 1 capital (100/100) and its weakest is profitability (55/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Waycross Bank&Trust: Tier 1 capital scores 100/100, loan quality 98/100, liquidity 100/100, and profitability 55/100 — combining to 95/100 (grade A).
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.
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.
More about Waycross Bank&Trust
Waycross Bank&Trust's safety rating is grade A, a Bank Health Score of 95/100 built from FDIC call report data. That ranks #318 out of 3,960 FDIC-insured banks nationally (top 8%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Waycross Bank&Trust's best component is Tier 1 capital (100/100) and its weakest is profitability (55/100).