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Waycross Bank & Trust


Waycross Bank & Trust is an FDIC insured institution headquartered at 501 Tebeau St, Waycross, GA 31501.
It was founded in 1988 and has approximately $0 billion in assets. Customers can open an account at one of its 1 branches.

Deposit Rates - April 11, 2026

SAVINGS RATES APY MIN
Savings
0.06% $100 Compare
CD RATES APY MIN
6 Mo CD
0.15% $500 Compare
12 Mo CD
0.35% $500 Compare
18 Mo CD
0.45% $500 Compare
24 Mo CD
0.55% $500 Compare
36 Mo CD
0.60% $500 Compare
48 Mo CD
0.65% $500 Compare
60 Mo CD
0.95% $500 Compare
MM RATES APY MIN
Money Market
0.05% $100 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.02% $100




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 27254
Date Established 1988
Assets $ 240.69 million
Loans $ 129.98 million
Deposits $ 216.49 million
Capital $ 20.04 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 19.69 million
Interest-bearing balances $ 17.36 million
Total securities $ 85.33 million
Federal funds sold and reverse repurchase $ 0.15 million
Net loans and leases $ 129.98 million
Loan loss allowance $ 2.35 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 3.93 million
     Total Assets $ 220.65 million

LIABILITIES
Total deposits $ 216.49 million
      Interest-bearing deposits $ 165.40 million
      Deposits held in domestic offices $ 216.49 million
      % insured (estimated)" 61.89%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.27 millionn
      Total Liabilities $ 220.65 million
      Shareholders’ Equity $ 20.04 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 11.56 million
Total Interest Expense $ 3.95 million
Net interest income $ 7.61 million
Provision for loan and lease losses $ 0.07 million
Total non interest income $ 0.76 million
Total non interest expense $ 5.17 million
Pre-tax Net Operating Income $ 1.19 million

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Waycross Bank & Trust Locations

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