The First National Bank of Waynesboro
Waynesboro, GA
IDRSSD: 31134
Total Assets
$223.01M
Latest filing
Total Deposits
$179.87M
Latest filing
Net Interest Margin
5.20%
Profitability
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 11/14/2025Established 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
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 36 |
| 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 | 11/14/2025 |
| CERT | 2160 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $223.01M |
| Total Deposits | $179.87M |
| Total Liabilities | $182.03M |
| Total Equity Capital | $40.98M |
| Net Income | $1.29M |
| Net Loans and Leases | $144.25M |
| Assets Per Employee ($Millions) | $6.76M |
| Bank Premises and Fixed Assets | $4.81M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $179.87M |
Key Performance Ratios
| Return on Assets (ROA) | 2.32% |
| Return on Equity (ROE) | 12.85% |
| Net Interest Margin | 5.2% |
| Efficiency Ratio | 46.3% |
| Tier 1 Risk-Based Capital Ratio | 33.161% |
| 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 | 18.376% |
| Earning Assets to total Assets | 94.8% |
Income and Expense
| Total Interest Income | $3.35M |
| Total Noninterest Income | $580.00k |
| Total Interest Expense | $600.00k |
| Total Noninterest Expense | $1.54M |
| Net Interest Income | $2.75M |
| Pre-tax Net Operating Income | $1.73M |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| 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 | $2.17M |
| Total Liabilities and Capital | $223.01M |
Securities
| Securities | $24.98M |
| Available-for-sale debt securities | $24.98M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$223.01M as of the latest filing.
How much are The First National Bank of Waynesboro's total deposits?
$179.87M in total deposits.
Where is The First National Bank of Waynesboro located?
Waynesboro, GA.
What is the Net Interest Margin?
5.20%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1905.
What is the Return on Assets (ROA)?
2.32%.
How much are total loans and leases?
$144.25M (latest filing).
What is the total interest income (latest filing)?
$3.35M.