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Banks | Waycross Bank & Trust

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 03, 2025

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 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 27254
Date Established 1988
Assets $ 246.43 million
Loans $ 137.52 million
Deposits $ 224.66 million
Capital $ 17.50 million

Summary Balance Sheet as of September 30, 2024

ASSETS
Cash & Balances due from depository institutions $ 24.37 million
Interest-bearing balances $ 21.15 million
Total securities $ 78.73 million
Federal funds sold and reverse repurchase $ 0.15 million
Net loans and leases $ 137.52 million
Loan loss allowance $ 2.24 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 $ 228.93 million

LIABILITIES
Total deposits $ 224.66 million
      Interest-bearing deposits $ 176.50 million
      Deposits held in domestic offices $ 224.66 million
      % insured (estimated)" 56.25%
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 $ 228.93 million
      Shareholders’ Equity $ 17.50 million

Summary Income Statement as of September 30, 2024

INCOME AND EXPENSES
Total Interest Income $ 8.24 million
Total Interest Expense $ 3.42 million
Net interest income $ 4.82 million
Provision for loan and lease losses $ 0.15 million
Total non interest income $ 0.49 million
Total non interest expense $ 3.49 million
Pre-tax Net Operating Income $ 1.19 million

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