TellerScore

The First National Bank of Waynesboro is a national bank headquartered in Waynesboro, Georgia, in business for about 121 years. At the end of Q2 2026 it reported $229.1M in total assets and $182.7M in deposits, with 2 offices.

The First National Bank of Waynesboro has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 5th. Capital cushion contributes the most (100/100, 19.14%); funding & liquidity contributes the least (69/100, 83% loans-to-deposits, 23% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 19.14%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.20%
Earnings100/100
Return on assets (annualized): 2.33%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 82.7% · 22.6% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.67%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (94 → 94).

TellerScore
929495Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202492
Q4 202495
Q1 202595
Q2 202594
Q3 202595
Q4 202594
Q1 202694
Q2 202694
Tier 1 leverage ratio
5.00%12.23%19.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202417.60%
Q3 202418.16%
Q4 202417.57%
Q1 202517.05%
Q2 202517.98%
Q3 202518.89%
Q4 202519.00%
Q1 202619.46%
Q2 202619.14%
Noncurrent loans
0.11%0.26%0.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.21%
Q3 20240.40%
Q4 20240.15%
Q1 20250.18%
Q2 20250.23%
Q3 20250.11%
Q4 20250.23%
Q1 20260.17%
Q2 20260.20%
Return on assets
2.21%2.31%2.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.41%
Q3 20242.34%
Q4 20242.29%
Q1 20252.35%
Q2 20252.30%
Q3 20252.30%
Q4 20252.21%
Q1 20262.34%
Q2 20262.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$229.1M19.14%0.20%2.33%82.7%
Q1 202694$226.7M19.46%0.17%2.34%79.2%
Q4 202594$226.5M19.00%0.23%2.21%78.5%
Q3 202595$223.0M18.89%0.11%2.30%80.2%
Q2 202594$222.2M17.98%0.23%2.30%77.2%
Q1 202595$224.6M17.05%0.18%2.35%72.4%
Q4 202495$219.7M17.57%0.15%2.29%74.1%
Q3 202492$207.9M18.16%0.40%2.34%80.1%
Q2 202494$207.9M17.60%0.21%2.41%76.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio19.14%
96th
Total risk-based capital35.65%
98th
Problem loans0.20%
65th
Net charge-offs0.05%
28th
Return on assets2.33%
93rd
Net interest margin5.12%
94th
Efficiency ratio47.0%
88th
Loans to deposits82.7%
44th
Uninsured deposits22.6%
55th
Loan-loss reserves1.32%
65th
Texas ratio0.7%
74th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Embassy National BankBank Lawrenceville, GA74 out of 100, Strong$227.9M11.0%0.00%vs
Loyal Trust BankBank Johns Creek, GA64 out of 100, Moderate$235.3M10.8%0.25%vs
Citizens Community BankBank Hahira, GA67 out of 100, Moderate$221.9M8.9%0.89%vs
Mount Vernon BankBank Mount Vernon, GA71 out of 100, Strong$217.6M10.3%0.64%vs
Waycross Bank & TrustBank Waycross, GA79 out of 100, Strong$242.2M12.1%0.25%vs
First Bank of Coastal GeorgiaBank Pembroke, GA59 out of 100, Moderate$215.7M9.1%0.35%vs

Deposit insurance

Is my money safe at The First National Bank of Waynesboro?

Yes. The First National Bank of Waynesboro is an FDIC-insured institution (FDIC certificate #2160). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.6% of deposits ($41.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 19.14%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 35.65% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

The First National Bank of Waynesboro lists 1 office in 1 city. Most locations:

  • Waynesboro, GA (1)

All branch addresses and map

Identity & history

Profile

Legal name
The First National Bank of Waynesboro
Type
National bank
FDIC certificate #
2160
RSSD ID
31134
Primary regulator
OCC
Holding company
First Burke Banking Co
Established
January 1, 1905
Headquarters
626 N Liberty St, Waynesboro, GA 30830
Employees
32

Quick answers

The First National Bank of Waynesboro: common questions

Is The First National Bank of Waynesboro FDIC insured?

Yes. The First National Bank of Waynesboro is an FDIC-insured institution (FDIC certificate #2160). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Waynesboro's TellerScore?

94 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The First National Bank of Waynesboro ever failed?

There is no failure record for FDIC certificate #2160 in the FDIC failed bank list.

How many branches does The First National Bank of Waynesboro have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Waynesboro

InstitutionScoreAssetsCapitalProblem loansCompare
Durden Banking Company, IncorporatedBank Twin City, GA92 out of 100, Very strong$299.2M16.2%0.11%vs
Srp Federal Credit UnionCredit union North Augusta, SC81 out of 100, Strong$2.1B13.8%0.74%vs
First State BankBank Wrens, GA77 out of 100, Strong$512.7M10.5%0.32%vs
Regions BankBank Birmingham, AL64 out of 100, Moderate$159.8B9.5%0.93%vs
Queensborough National Bank & Trust CompanyBank Louisville, GA62 out of 100, Moderate$2.3B8.6%0.59%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs