| Metric | Waycross Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +4.4% | -7.5 pts |
| Deposit growth (YoY) | -5.0% | +4.0% | -8.9 pts |
| Loan growth (YoY) | -9.0% | +5.6% | -14.6 pts |
| ROA | 1.30% | 1.24% | +0.1 pts |
| ROE | 15.1% | 11.9% | +3.3 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $242.2M | $217.3M | $122.8M | $20.7M | $1.5M | 1.30% | 3.28% | 0.16% |
| Q1 2026 | $234.0M | $209.4M | $127.3M | $20.6M | $762K | 1.28% | 3.24% | 0.25% |
| Q4 2025 | $240.7M | $216.5M | $130.0M | $20.0M | $3.1M | 1.26% | 3.19% | 0.13% |
| Q3 2025 | $245.3M | $221.1M | $126.8M | $20.1M | $2.3M | 1.26% | 3.17% | 0.07% |
| Q2 2025 | $250.1M | $228.7M | $134.9M | $17.5M | $1.6M | 1.27% | 3.16% | 0.11% |
| Q1 2025 | $242.0M | $221.1M | $137.9M | $16.9M | $800K | 1.29% | 3.16% | 0.03% |
| Q4 2024 | $254.5M | $235.5M | $141.6M | $14.8M | $2.2M | 0.90% | 2.86% | 0.03% |
| Q3 2024 | $246.4M | $224.7M | $137.5M | $17.5M | $1.7M | 0.94% | 2.81% | 0.01% |
Loan mix (Q2 2026): real estate $115.7M · commercial $7.9M · consumer $1.0M · securities $86.4M
| Ratio | Waycross Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.24% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 11.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 62.9% | 51th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Waycross Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Waycross Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Waycross Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Waycross Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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