Wayne County Bank
Total assets
$595.1M
▲ +5.0% YoY
Deposits
$507.1M
▲ +3.9% YoY
Loans
$416.9M
▲ +4.0% YoY
Offices
8
WAYNE COUNTY BANCSHARES INC
ROA (annualized)
1.82%
peers 1.28%
ROE (annualized)
14.03%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Wayne County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.9% | +0.1 pts |
| Deposit growth (YoY) | +3.9% | +4.3% | -0.4 pts |
| Loan growth (YoY) | +4.0% | +5.3% | -1.3 pts |
| ROA | 1.82% | 1.28% | +0.5 pts |
| ROE | 14.0% | 12.4% | +1.6 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
Profile
- Established
- 1914
- Charter
- State
- Primary regulator
- FED
- Holding company
- WAYNE COUNTY BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 216 S High St, Waynesboro, TN, 38485
- County
- Wayne
- Offices
- 8
- FDIC cert #
- 9168
- RSSD ID
- 511832
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $595.1M | $507.1M | $416.9M | $77.8M | $5.3M | 1.82% | 4.71% | 0.56% |
| Q1 2026 | $582.8M | $496.5M | $416.7M | $75.8M | $2.6M | 1.81% | 4.74% | 0.56% |
| Q4 2025 | $578.5M | $494.6M | $421.1M | $73.6M | $9.7M | 1.74% | 4.61% | 0.48% |
| Q3 2025 | $568.4M | $486.4M | $409.2M | $71.6M | $7.3M | 1.74% | 4.61% | 0.46% |
| Q2 2025 | $566.8M | $488.0M | $400.6M | $68.3M | $4.6M | 1.67% | 4.50% | 0.53% |
| Q1 2025 | $545.7M | $468.0M | $381.6M | $67.2M | $2.2M | 1.62% | 4.44% | 0.63% |
| Q4 2024 | $538.3M | $462.8M | $375.9M | $65.0M | $8.0M | 1.60% | 4.59% | 0.55% |
| Q3 2024 | $523.4M | $448.0M | $359.7M | $64.8M | $5.8M | 1.58% | 4.60% | 0.57% |
Loan mix (Q2 2026): real estate $318.8M · commercial $48.8M · consumer $31.5M · securities $50.6M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Wayne County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.82% | 1.28% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 12.4% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.71% | 3.89% | 88th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.3% | 61.2% | 10th | |
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% |
Balance sheet
| Ratio | Wayne County Bank | 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% |
Capital
| Ratio | Wayne County Bank | 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% |
Credit quality
| Ratio | Wayne County Bank | 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% |
Franchise
| Ratio | Wayne County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- First Freedom BankLebanon, TN · $817.8M
- Macon Bank and Trust CompanyLafayette, TN · $820.5M
- Citizens BankCarthage, TN · $832.5M
- Paragon BankMemphis, TN · $908.1M
- Legends BankClarksville, TN · $927.7M
- First Commerce BankLewisburg, TN · $935.1M
Selling to Wayne County Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.