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Wayne County Bank
Waynesboro, TN · FDIC Certificate #9168 · Chartered 02/1
Total assets
$595.12M
Total deposits
$507.05M
Total equity
$77.84M
Net loans
$416.87M
Branches (offices)
8
Net income (YTD)
$5.32M
Rank: #1,567 of 4,213 U.S. banks by assets · #48 of 109 in Tennessee. Assets changed 5.0% and deposits 3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.82% |
| Return on equity | 14.03% |
| Net interest margin (YTD) | 4.71% |
| Equity to assets | 13.08% |
| Tier 1 leverage ratio | 13.58% |
| Uninsured deposits (share of deposits) | 19.7% |
| Noncurrent loans (share of loans) | 0.72% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 82.2% |
| Real estate loans (share of loans) | 76.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $318.79M | 76.5% | |
| Commercial & industrial | $48.77M | 11.7% | |
| Consumer / individual | $31.47M | 7.5% | |
| Construction & development | $46.27M | 11.1% | |
| Agricultural | $22.09M | 5.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $407.16M | $350.51M | $2.29M | $51.44M |
| Jun 2023 | $451.22M | $393.20M | $2.78M | $53.62M |
| Jun 2024 | $499.14M | $432.94M | $3.86M | $61.66M |
| Jun 2025 | $566.82M | $488.00M | $4.61M | $68.33M |
| Jun 2026 | $595.12M | $507.05M | $5.32M | $77.84M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $507.05M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $507.05M.
Similar-sized banks
Cattlemens Bank ($595.21M) · The Andover Bank ($595.10M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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