B
The First National Bank of Waynesboro
Rating Date
April 2025
Risk Based
Capital Ratio
32.59
Leverage
Ratio
17.57
Return On
Assets
2.26%
Total
Assets
219.75M
Capital
36.59M
Total
Deposits
181.42M
Net
Income
4.82M
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Weiss Ratings The First National Bank of Waynesboro
Waynesboro, GA 		Click to
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Rating B
Asset Quality Index 8.30
Capitalization Index 10.00
Liquidity Index 3.00
Profitability Index 9.80
Stability Index 6.30
Company Info The First National Bank of Waynesboro
Waynesboro, GA 		Click to
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FDIC Number 2160
Phone Number (706) 554-8100
Website www.fnbwaynesboro.com
Asset Quality The First National Bank of Waynesboro
Waynesboro, GA 		Click to
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1-Year Asset Growth 6.13%
5-Year Asset Growth 9.69%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.13%
Non-Performing Assets to Assets 0.07%
Non-Performing Loans to Capital 0.50%
Non-Performing Loans to Loans 0.12%
Balance Sheet The First National Bank of Waynesboro
Waynesboro, GA 		Click to
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Total Assets 219.75M
Total Deposits 181.42M
Capital and Reserves The First National Bank of Waynesboro
Waynesboro, GA 		Click to
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Capital 36.59M
Leverage Ratio 17.57
Loan Loss Reserves to Loans 1.32%
Risk-Based Capital Ratio 32.59
Liquidity The First National Bank of Waynesboro
Waynesboro, GA 		Click to
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Hot Money Ratio 13.21%
Liquidity Ratio 27.99%
Profitability The First National Bank of Waynesboro
Waynesboro, GA 		Click to
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5-Year Return on Average Assets 1.62%
Net Income 4.82M
Net Interest Spread 5.03%
Operating Profit to Average Assets 2.98%
Overhead Efficiency Ratio 46.88%
Return on Assets 2.26%
Return on Equity 13.74%