B
The First National Bank of Waynesboro
Rating Date
October 2025
Risk Based
Capital Ratio
34.41
Leverage
Ratio
18.89
Return On
Assets
2.25%
Total
Assets
223.02M
Capital
40.98M
Total
Deposits
179.87M
Net
Income
3.84M
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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 2.70
Profitability Index 10.00
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 7.26%
5-Year Asset Growth 9.69%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.06%
Non-Performing Loans to Capital 0.37%
Non-Performing Loans to Loans 0.10%
Balance Sheet The First National Bank of Waynesboro
Waynesboro, GA 		Click to
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Total Assets 223.02M
Total Deposits 179.87M
Capital and Reserves The First National Bank of Waynesboro
Waynesboro, GA 		Click to
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Capital 40.98M
Leverage Ratio 18.89
Loan Loss Reserves to Loans 1.31%
Risk-Based Capital Ratio 34.41
Liquidity The First National Bank of Waynesboro
Waynesboro, GA 		Click to
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Hot Money Ratio 12.65%
Liquidity Ratio 25.27%
Profitability The First National Bank of Waynesboro
Waynesboro, GA 		Click to
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5-Year Return on Average Assets 1.73%
Net Income 3.84M
Net Interest Spread 4.97%
Operating Profit to Average Assets 2.92%
Overhead Efficiency Ratio 46.82%
Return on Assets 2.25%
Return on Equity 13.23%