Side-by-side · Q2 2026 data
Waycross Bank & Trust vs Loyal Trust Bank
Metric by metric
| Measure | Waycross Bank & Trust | Loyal Trust Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 64 |
| Capital cushion | 71 (stronger) | 58 |
| Loan quality | 92 | 92 |
| Earnings | 72 (stronger) | 30 |
| Funding & liquidity | 72 (stronger) | 56 |
| Problem-loan coverage | 97 (stronger) | 87 |
| Peer percentile | 75th | 26th |
| Total assets | $242.2M | $235.3M |
| Deposits / shares | $217.3M | $175.4M |
| Capital ratio | 12.15% (stronger) | 10.77% |
| Problem loans | 0.25% | 0.25% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.30% (stronger) | 0.26% |
| Loans ÷ deposits | 56.5% (stronger) | 94.8% |
| Uninsured deposits | 40.1% | 23.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Waycross Bank & Trust has the higher TellerScore (79 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Waycross Bank & Trust leads on 5 and Loyal Trust Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.