Side-by-side · Q2 2026 data
The First National Bank of Waynesboro vs Loyal Trust Bank
Metric by metric
| Measure | The First National Bank of Waynesboro | Loyal Trust Bank |
|---|---|---|
| TellerScore | 94 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 93 (stronger) | 92 |
| Earnings | 100 (stronger) | 30 |
| Funding & liquidity | 69 (stronger) | 56 |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 98th | 26th |
| Total assets | $229.1M | $235.3M |
| Deposits / shares | $182.7M | $175.4M |
| Capital ratio | 19.14% (stronger) | 10.77% |
| Problem loans | 0.20% (stronger) | 0.25% |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 2.33% (stronger) | 0.26% |
| Loans ÷ deposits | 82.7% (stronger) | 94.8% |
| Uninsured deposits | 22.6% (stronger) | 23.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Waynesboro has the higher TellerScore (94 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Waynesboro leads on 6 and Loyal Trust Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.