Side-by-side · Q2 2026 data
Queensborough National Bank & Trust Company vs The First National Bank of Waynesboro
Bank
Queensborough National Bank & Trust Company
Louisville, Georgia · $1 billion – $10 billion
Metric by metric
| Measure | Queensborough National Bank & Trust Company | The First National Bank of Waynesboro |
|---|---|---|
| TellerScore | 62 | 94 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 80 | 93 (stronger) |
| Earnings | 64 | 100 (stronger) |
| Funding & liquidity | 64 | 69 (stronger) |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 27th | 98th |
| Total assets | $2.3B | $229.1M |
| Deposits / shares | $2.1B | $182.7M |
| Capital ratio | 8.64% | 19.14% (stronger) |
| Problem loans | 0.59% | 0.20% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.05% |
| Return on assets | 1.09% | 2.33% (stronger) |
| Loans ÷ deposits | 67.6% (stronger) | 82.7% |
| Uninsured deposits | 41.0% | 22.6% (stronger) |
| Offices | 24 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
The First National Bank of Waynesboro has the higher TellerScore (94 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Queensborough National Bank & Trust Company leads on 2 and The First National Bank of Waynesboro on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Waynesboro, GA