Side-by-side · Q2 2026 data
Waycross Bank & Trust vs Embassy National Bank
Metric by metric
| Measure | Waycross Bank & Trust | Embassy National Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 74 |
| Capital cushion | 71 (stronger) | 60 |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 72 | 81 (stronger) |
| Funding & liquidity | 72 (stronger) | 33 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 75th | 57th |
| Total assets | $242.2M | $227.9M |
| Deposits / shares | $217.3M | $198.8M |
| Capital ratio | 12.15% (stronger) | 10.95% |
| Problem loans | 0.25% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.30% | 1.52% (stronger) |
| Loans ÷ deposits | 56.5% (stronger) | 86.2% |
| Uninsured deposits | 40.1% (stronger) | 52.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Waycross Bank & Trust has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Waycross Bank & Trust leads on 5 and Embassy National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.