The First National Bank of Waynesboro

BankWaynesboro, Georgia
www.fnbwaynesboro.com

Total Assets

$226.5M

Total Deposits

$183.0M

Branches

2

Established

1905

TFS Health Grade

$
B

86.5 / 100

Good financial health

How we grade

The First National Bank of Waynesboro is a bank headquartered in Waynesboro, Georgia, established in 1905. With $226.5M in total assets and 2 branch locations, it has a TFS Financial Health Grade of B (86.5/100).

Capital & Safety

Tier 1 Capital Ratio
19.00%(8%)
Total Capital Ratio
35.14%(10%)
Non-Performing Loan Ratio
0.23%

Profitability

Return on Assets (ROA)
2.21%(1%)
Return on Equity (ROE)
12.55%(10%)
Net Interest Margin
5.11%
Efficiency Ratio
47.95%(60%)

Lending & Liquidity

Total Loans
$145.6M
Loan-to-Deposit Ratio
78.49%
Net Charge-Off Ratio
0.08%

Growth

Asset Growth (YoY)
+3.08%
Deposit Growth (YoY)
+0.86%
Net Income
$4.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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