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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Waynesboro, TN · FDIC certificate #9168
WAYNE COUNTY BANK is an FDIC-insured institution based in Waynesboro, TN (FDIC certificate #9168). In its Q3 2026 Call Report it reported total assets of $597M, total deposits of $508M and net loans of $425M. Its primary federal regulator is FED.
Plain-language readout
WAYNE COUNTY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $597M in Q3 2026 and were lowest at $583M in Q1 2026.
Total deposits were highest at $508M in Q3 2026 and lowest at $496M in Q1 2026.
Over the whole period total assets rose 2.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $597M | $508M | $425M | 1.88% | 14.43% | 4.73% |
| Q2 2026 | $595M | $507M | $417M | 1.82% | 14.03% | 4.71% |
| Q1 2026 | $583M | $496M | $417M | 1.81% | 14.09% | 4.74% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $91.4M | $78.7M | +$12.7M | +16.2% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $50.6M | $52.1M | -$1.5M | -2.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $416.9M | $416.7M | +$137K | +0.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $11.3M | $11.4M | -$114K | -1.0% |
| Other real estate owned | $286K | $261K | +$25K | +9.6% |
| Investments in unconsolidated subsidiaries and associated companies | $130K | $130K | $0K | 0.0% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $24.5M | $23.5M | +$1.0M | +4.3% |
| Total assets | $595.1M | $582.8M | +$12.3M | +2.1% |
| Liabilities | ||||
| Total deposits | $507.1M | $496.5M | +$10.6M | +2.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $6.8M | $6.9M | -$68K | -1.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.4M | $3.7M | -$279K | -7.5% |
| Total liabilities | $517.3M | $507.1M | +$10.2M | +2.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $200K | $200K | $0K | 0.0% |
| Surplus | $400K | $400K | $0K | 0.0% |
| Retained earnings | $79.0M | $77.5M | +$1.5M | +1.9% |
| Accumulated other comprehensive income | -$1.8M | -$2.3M | +$558K | +23.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $77.8M | $75.8M | +$2.0M | +2.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.3M | $3.2M | +$68K | +2.1% |
| Adjusted nonperforming assets | $3.3M | $3.2M | +$68K | +2.1% |
| Tangible equity plus allowance | $82.8M | $80.6M | +$2.2M | +2.7% |
| Texas ratio (gross) | 4.00% | 4.03% | -0.03 pts | See points |
| Texas ratio (adjusted) | 4.00% | 4.03% | -0.03 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.51% | 5.52% | -0.02 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 13.58% | 13.52% | +0.06 pts | See points |
| Construction and land loans to total capital | 54.67% | 54.86% | -0.19 pts | See points |
| Commercial real estate to total capital | 96.91% | 98.46% | -1.55 pts | See points |
| Dividend payout, year to date | 22.58% | 0.00% | +22.58 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.04% | -3.90% | +0.86 pts | See points |
| Liquidity | ||||
| Core deposits | $403.9M | $380.0M | +$23.9M | +6.3% |
| Non-core funding | $110.0M | $123.4M | -$13.4M | -10.9% |
| Loans to core deposits | 104.45% | 110.95% | -6.49 pts | See points |
| Loans to deposits | 83.20% | 84.91% | -1.71 pts | See points |
| Brokered deposits share of deposits | 3.65% | 5.85% | -2.20 pts | See points |
| Pledged securities share of securities | 20.61% | 18.71% | +1.90 pts | See points |
| Loans pledged, share of loans | 4.49% | 4.59% | -0.10 pts | See points |
| Volatile liabilities | $110.0M | $123.4M | -$13.4M | -10.9% |
| Earnings | ||||
| Earnings before provision, year to date | $7.5M | $3.7M | +$3.8M | +101.9% |
| Earnings before provision, single quarter | $3.8M | $3.7M | +$70K | +1.9% |
| Provision for credit losses, year to date | $300K | $150K | +$150K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.80% | 7.84% | -0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 4.31% | 3.32% | +0.99 pts | See points |
| Total interest income to average assets | 6.13% | 6.31% | -0.18 pts | See points |
| Cost of interest-bearing transaction accounts | 1.53% | 1.69% | -0.16 pts | See points |
| Cost of savings and money market deposits | 2.28% | 2.29% | -0.01 pts | See points |
| Cost of time deposits | 3.75% | 3.80% | -0.05 pts | See points |
| Total interest expense to average assets | 2.19% | 2.23% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $597M | $508M | $425M | 1.88% | 14.43% | 4.73% |
| 2026-06-30 | $595M | $507M | $417M | 1.82% | 14.03% | 4.71% |
| 2026-03-31 | $583M | $496M | $417M | 1.81% | 14.09% | 4.74% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $488M | 0.21% | 71 | Continuing · +0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.