B
The First National Bank of Waynesboro
Rating Date
August 2026
Risk Based
Capital Ratio
35.65
Leverage
Ratio
19.14
Return On
Assets
2.29%
Total
Assets
229.10M
Capital
44.24M
Total
Deposits
182.70M
Net
Income
2.65M
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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 8.20
Capitalization Index 10.00
Liquidity Index 2.50
Profitability Index 10.00
Stability Index 5.70
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 3.09%
5-Year Asset Growth 4.89%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.08%
Non-Performing Loans to Capital 0.65%
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 229.10M
Total Deposits 182.70M
Capital and Reserves The First National Bank of Waynesboro
Waynesboro, GA 		Click to
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Capital 44.24M
Leverage Ratio 19.14
Loan Loss Reserves to Loans 1.32%
Risk-Based Capital Ratio 35.65
Liquidity The First National Bank of Waynesboro
Waynesboro, GA 		Click to
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Hot Money Ratio 14.50%
Liquidity Ratio 24.30%
Profitability The First National Bank of Waynesboro
Waynesboro, GA 		Click to
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5-Year Return on Average Assets 1.89%
Net Income 2.65M
Net Interest Spread 5.01%
Operating Profit to Average Assets 2.92%
Overhead Efficiency Ratio 47.00%
Return on Assets 2.29%
Return on Equity 12.36%