Wayne County Bank
Waynesboro, TN
IDRSSD: 511832
Total Assets
$578.52M
Latest filing
Total Deposits
$494.63M
Latest filing
Net Interest Margin
4.64%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Wayne County Bank
216 S High St
Waynesboro, TN 38485
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/14/1914FDIC Certificate 5867
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Wayne County Bank (Main) | 216 S High St | Waynesboro, TN |
| COLLINWOOD BRANCH | Highway 13 South | Collinwood, TN |
| CLIFTON BRANCH | 205 Main St | Clifton, TN |
| 64 EAST EXPRESS BRANCH | 312 Highway 64 E | Waynesboro, TN |
| CITIZENS BANK OF LEWIS COUNTY, A BRANCH OF WAYNE COUNTY BANK | 605 E Main St | Hohenwald, TN |
| COURT SQUARE BRANCH | Public Square | Waynesboro, TN |
| CITIZENS BANK OF LAWRENCE COUNTY, A BRANCH OF WAYNE COUNTY BANK | 2144 N Locust Ave | Lawrenceburg, TN |
| CITIZENS BRANCH OF LAWRENCE COUNTY, A BRANCH OF WAYNE COUNTY BANK | 100 S Military St | Loretto, TN |
Showing 7 of 7
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
INSOUTH Bank
Brownsville, Tennessee
→
Assets: $563.66MΔ -0.8%
Bank of Bartlett
Bartlett, Tennessee
→
Assets: $586.75MΔ +3.2%
BankTennessee
Collierville, Tennessee
→
Assets: $603.45MΔ +6.2%
CBBC Bank
Maryville, Tennessee
→
Assets: $532.89MΔ -6.2%
TriStar Bank
Dickson, Tennessee
→
Assets: $525.41MΔ -7.6%
Carroll Bank and Trust
Huntingdon, Tennessee
→
Assets: $615.59MΔ +8.3%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 02/14/1914 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38485 |
| State and County Number | 47181 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 06 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 90 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/13/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | waynecountybank.com |
| Data Updated | 01/30/2026 |
| CERT | 9168 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $578.52M |
| Total Deposits | $494.63M |
| Total Liabilities | $504.94M |
| Total Equity Capital | $73.59M |
| Net Income | $2.48M |
| Net Loans and Leases | $421.09M |
| Assets Per Employee ($Millions) | $6.36M |
| Bank Premises and Fixed Assets | $11.74M |
| Cash and Balances due from Depository Institutions | $61.14M |
| Deposits Held in Domestic Offices | $494.63M |
Key Performance Ratios
| Return on Assets (ROA) | 1.73% |
| Return on Equity (ROE) | 13.68% |
| Net Interest Margin | 4.64% |
| Efficiency Ratio | 46.54% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.72% |
| Earning Assets to total Assets | 87.14% |
Income and Expense
| Total Interest Income | $9.18M |
| Total Noninterest Income | $746.00k |
| Total Interest Expense | $3.42M |
| Total Noninterest Expense | $3.03M |
| Net Interest Income | $5.76M |
| Pre-tax Net Operating Income | $3.33M |
| Provision for Credit Losses | $150.00k |
| 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 | $6.91M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.39M |
| Total Liabilities and Capital | $578.52M |
Securities
| Securities | $61.96M |
| Available-for-sale debt securities | $61.96M |
| 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 Wayne County Bank?
$578.52M as of the latest filing.
How much are Wayne County Bank's total deposits?
$494.63M in total deposits.
Where is Wayne County Bank located?
Waynesboro, TN.
What is the Net Interest Margin?
4.64%.
How many domestic offices does it operate?
8.
When was it established?
02/14/1914.
What is the Return on Assets (ROA)?
1.73%.
How much are total loans and leases?
$421.09M (latest filing).
What is the total interest income (latest filing)?
$9.18M.