C
Wayne County Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Wayne County Bank
Waynesboro, TN
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Rating C
Asset Quality Index 6.80
Capitalization Index 10.00
Liquidity Index 0.80
Profitability Index 9.70
Stability Index 4.30
Company Info Wayne County Bank
Waynesboro, TN
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FDIC Number 9168
Phone Number (931) 722-5438
Website www.waynecountybank.com
Asset Quality Wayne County Bank
Waynesboro, TN
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1-Year Asset Growth 8.59%
5-Year Asset Growth 14.12%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.86%
Non-Performing Loans to Capital 3.28%
Non-Performing Loans to Loans 1.19%
Balance Sheet Wayne County Bank
Waynesboro, TN
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Total Assets 568.40M
Total Deposits 486.35M
Capital and Reserves Wayne County Bank
Waynesboro, TN
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Capital 71.61M
Leverage Ratio 13.07
Loan Loss Reserves to Loans 1.17%
Risk-Based Capital Ratio --
Liquidity Wayne County Bank
Waynesboro, TN
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Hot Money Ratio 36.80%
Liquidity Ratio 23.25%
Profitability Wayne County Bank
Waynesboro, TN
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5-Year Return on Average Assets 1.42%
Net Income 7.25M
Net Interest Spread 4.57%
Operating Profit to Average Assets 2.34%
Overhead Efficiency Ratio 45.19%
Return on Assets 1.73%
Return on Equity 14.23%