Headquartered in Waycross, Georgia, Waycross Bank & Trust is a state-chartered bank with $242.2M in total assets and $217.3M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1988.
Based on its Q2 2026 filing, Waycross Bank & Trust scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 44th. Its strongest component is problem-loan coverage (97/100; 1.7%), and its lowest is capital cushion (71/100; 12.15%).
TellerScore · Q2 2026
Scorecard
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 (78 → 79).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 73 |
| Q4 2024 | 72 |
| Q1 2025 | 76 |
| Q2 2025 | 78 |
| Q3 2025 | 79 |
| Q4 2025 | 77 |
| Q1 2026 | 77 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.69% |
| Q3 2024 | 10.66% |
| Q4 2024 | 10.44% |
| Q1 2025 | 10.77% |
| Q2 2025 | 11.19% |
| Q3 2025 | 11.35% |
| Q4 2025 | 11.31% |
| Q1 2026 | 12.08% |
| Q2 2026 | 12.15% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.03% |
| Q4 2024 | 0.05% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.20% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.24% |
| Q1 2026 | 0.46% |
| Q2 2026 | 0.25% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 0.94% |
| Q4 2024 | 0.90% |
| Q1 2025 | 1.29% |
| Q2 2025 | 1.27% |
| Q3 2025 | 1.26% |
| Q4 2025 | 1.26% |
| Q1 2026 | 1.28% |
| Q2 2026 | 1.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $242.2M | 12.15% | 0.25% | 1.30% | 56.5% |
| Q1 2026 | 77 | $234.0M | 12.08% | 0.46% | 1.28% | 60.8% |
| Q4 2025 | 77 | $240.7M | 11.31% | 0.24% | 1.26% | 60.0% |
| Q3 2025 | 79 | $245.3M | 11.35% | 0.13% | 1.26% | 57.3% |
| Q2 2025 | 78 | $250.1M | 11.19% | 0.20% | 1.27% | 59.0% |
| Q1 2025 | 76 | $242.0M | 10.77% | 0.05% | 1.29% | 62.3% |
| Q4 2024 | 72 | $254.5M | 10.44% | 0.05% | 0.90% | 60.1% |
| Q3 2024 | 73 | $246.4M | 10.66% | 0.03% | 0.94% | 61.2% |
| Q2 2024 | 73 | $242.9M | 10.69% | 0.10% | 0.88% | 59.8% |
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).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Loyal Trust BankBank Johns Creek, GA | 64 out of 100, Moderate | $235.3M | 10.8% | 0.25% | vs |
| Bank of AlapahaBank Alapaha, GA | 69 out of 100, Moderate | $251.0M | 10.2% | 0.34% | vs |
| The Peoples Bank of GeorgiaBank Talbotton, GA | 71 out of 100, Strong | $252.3M | 9.6% | 0.32% | vs |
| The First National Bank of WaynesboroBank Waynesboro, GA | 94 out of 100, Very strong | $229.1M | 19.1% | 0.20% | vs |
| Embassy National BankBank Lawrenceville, GA | 74 out of 100, Strong | $227.9M | 11.0% | 0.00% | vs |
| Ab&tBank Albany, GA | 83 out of 100, Strong | $261.2M | 11.8% | 0.00% | vs |
Deposit insurance
Is my money safe at Waycross Bank & Trust?
Yes. Waycross Bank & Trust is an FDIC-insured institution (FDIC certificate #27254). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 40.1% of deposits ($87.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.15%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Waycross Bank & Trust lists 1 office in 1 city. Most locations:
- Waycross, GA (1)
Identity & history
Profile
- Legal name
- Waycross Bank & Trust
- Type
- State-chartered bank
- FDIC certificate #
- 27254
- RSSD ID
- 1191352
- Primary regulator
- FDIC
- Holding company
- Wb&t Bankshares Inc
- Established
- June 1, 1988
- Headquarters
- 501 Tebeau St, Waycross, GA 31501
- Website
- www.wbt.bank
- Employees
- 16
Quick answers
Waycross Bank & Trust: common questions
Is Waycross Bank & Trust FDIC insured?
Yes. Waycross Bank & Trust is an FDIC-insured institution (FDIC certificate #27254). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Waycross Bank & Trust's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Waycross Bank & Trust ever failed?
There is no failure record for FDIC certificate #27254 in the FDIC failed bank list.
How many branches does Waycross Bank & Trust have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Waycross
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ware County School Employees Federal Credit UnionCredit union Waycross, GA | 86 out of 100, Very strong | $6.3M | 14.1% | 0.00% | vs |
| Southeastern BankBank Darien, GA | 86 out of 100, Very strong | $624.9M | 13.4% | 0.38% | vs |
| Altamaha Federal Credit UnionCredit union Jesup, GA | 83 out of 100, Strong | $74.1M | 14.1% | 0.22% | vs |
| First Southern BankBank Waycross, GA | 74 out of 100, Strong | $347.2M | 10.9% | 0.01% | vs |
| Southeastern Credit UnionCredit union Valdosta, GA | 73 out of 100, Strong | $440.7M | 10.8% | 0.41% | vs |
| Ameris BankBank Atlanta, GA | 67 out of 100, Moderate | $28.4B | 11.4% | 0.57% | vs |