FIRST NB OF WAYNESBORO
WAYNESBORO, GEORGIA · FDIC Cert #2160
Capital & Safety Analysis
According to FDIC financial data, FIRST NB OF WAYNESBORO holds a Tier 1 capital ratio of 30.95%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning FIRST NB OF WAYNESBORO has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
FIRST NB OF WAYNESBORO shows strong financial health indicators. With $208M in assets and a Health Score of 99/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST NB OF WAYNESBORO has a Bank Health Score of A (99/100). It holds a Tier 1 capital ratio of 30.95%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST NB OF WAYNESBORO holds $208M in total assets and $171M in total deposits. It is located in WAYNESBORO, GEORGIA (FDIC Certificate #2160).
FIRST NB OF WAYNESBORO has a Tier 1 capital ratio of 30.95%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.21%, and the return on assets is 3.05%.
Yes. FIRST NB OF WAYNESBORO is FDIC-insured (Certificate #2160). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.