The First National Bank of Waynesboro
Waynesboro, GA
IDRSSD: 31134
Total Assets
$226.53M
Latest filing
Total Deposits
$182.98M
Latest filing
Net Interest Margin
5.12%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061202245WAYNESBORO, GA
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of Waynesboro
626 N Liberty St
Waynesboro, GA 30830
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1905FDIC Certificate 1429
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank of Waynesboro (Main) | 626 N Liberty St | Waynesboro, GA |
| SIXTH STREET BRANCH | 528 W 6th St | Waynesboro, GA |
Showing 1 of 1
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Vidalia Federal Savings Bank
Vidalia, Georgia
→
Assets: $221.31MΔ -0.8%
The Peoples Bank of Georgia
Talbotton, Georgia
→
Assets: $225.23MΔ +1.0%
First Bank of Coastal Georgia
Pembroke, Georgia
→
Assets: $218.58MΔ -2.0%
Loyal Trust Bank
Johns Creek, Georgia
→
Assets: $233.79MΔ +4.8%
Citizens Community Bank
Hahira, Georgia
→
Assets: $206.87MΔ -7.2%
Embassy National Bank
Lawrenceville, Georgia
→
Assets: $203.97MΔ -8.5%
Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30830 |
| State and County Number | 13033 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Augusta-Richmond County, GA-SC |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbwaynesboro.com |
| Data Updated | 01/30/2026 |
| CERT | 2160 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $226.53M |
| Total Deposits | $182.98M |
| Total Liabilities | $184.89M |
| Total Equity Capital | $41.63M |
| Net Income | $1.09M |
| Net Loans and Leases | $143.63M |
| Assets Per Employee ($Millions) | $6.66M |
| Bank Premises and Fixed Assets | $4.77M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $182.98M |
Key Performance Ratios
| Return on Assets (ROA) | 1.95% |
| Return on Equity (ROE) | 10.58% |
| Net Interest Margin | 5.12% |
| Efficiency Ratio | 51.22% |
| Tier 1 Risk-Based Capital Ratio | 33.831% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 18.379% |
| Earning Assets to total Assets | 95.07% |
Income and Expense
| Total Interest Income | $3.33M |
| Total Noninterest Income | $642.00k |
| Total Interest Expense | $602.00k |
| Total Noninterest Expense | $1.73M |
| Net Interest Income | $2.73M |
| Pre-tax Net Operating Income | $1.59M |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.91M |
| Total Liabilities and Capital | $226.53M |
Securities
| Securities | $24.90M |
| Available-for-sale debt securities | $24.90M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank of Waynesboro?
$226.53M as of the latest filing.
How much are The First National Bank of Waynesboro's total deposits?
$182.98M in total deposits.
Where is The First National Bank of Waynesboro located?
Waynesboro, GA.
What is the Net Interest Margin?
5.12%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1905.
What is the Return on Assets (ROA)?
1.95%.
How much are total loans and leases?
$143.63M (latest filing).
What is the total interest income (latest filing)?
$3.33M.