Waycross Bank & Trust
Waycross, GA
IDRSSD: 1191352
Total Assets
$240.69M
Latest filing
Total Deposits
$216.49M
Latest filing
Net Interest Margin
3.25%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061204052WAYCROSS, GA
Key People
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Locations
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Main Office
Waycross Bank & Trust
501 Tebeau St
Waycross, GA 31501
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/01/1988FDIC Certificate 39342
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Waycross Bank & Trust (Main) | 501 Tebeau St | Waycross, GA | ||
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, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/01/1988 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31501 |
| State and County Number | 13299 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Waycross, GA |
Operational Info
| Number of Employees | 18 |
| Domestic Offices | 1 |
| 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 | 06/01/1988 |
| Primary Insurance Agency | DIF |
| Website | www.wbt.bank |
| Data Updated | 01/30/2026 |
| CERT | 27254 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $240.69M |
| Total Deposits | $216.49M |
| Total Liabilities | $220.65M |
| Total Equity Capital | $20.04M |
| Net Income | $765.00k |
| Net Loans and Leases | $129.98M |
| Assets Per Employee ($Millions) | $13.37M |
| Bank Premises and Fixed Assets | $884.00k |
| Cash and Balances due from Depository Institutions | $19.69M |
| Deposits Held in Domestic Offices | $216.49M |
Key Performance Ratios
| Return on Assets (ROA) | 1.26% |
| Return on Equity (ROE) | 15.24% |
| Net Interest Margin | 3.25% |
| Efficiency Ratio | 63.74% |
| Tier 1 Risk-Based Capital Ratio | 19.346% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.327% |
| Earning Assets to total Assets | 96.73% |
Income and Expense
| Total Interest Income | $2.85M |
| Total Noninterest Income | $199.00k |
| Total Interest Expense | $937.00k |
| Total Noninterest Expense | $1.34M |
| Net Interest Income | $1.91M |
| Pre-tax Net Operating Income | $765.00k |
| Provision for Credit Losses | $0 |
| 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 | $2.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $150.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.65M |
| Total Liabilities and Capital | $240.69M |
Securities
| Securities | $85.33M |
| Available-for-sale debt securities | $85.33M |
| 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 Waycross Bank & Trust?
$240.69M as of the latest filing.
How much are Waycross Bank & Trust's total deposits?
$216.49M in total deposits.
Where is Waycross Bank & Trust located?
Waycross, GA.
What is the Net Interest Margin?
3.25%.
How many domestic offices does it operate?
1.
When was it established?
06/01/1988.
What is the Return on Assets (ROA)?
1.26%.
How much are total loans and leases?
$129.98M (latest filing).
What is the total interest income (latest filing)?
$2.85M.