BlastPoint's Banking Scorecard
The First National Bank of Waynesboro
Micro
Specialty: Other
GA
FDIC cert 2160
Designations: ✓ Community bank
Waynesboro, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
The First National Bank of Waynesboro demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.13% above tier
- + Net Interest Margin 1.26% above tier
- + Efficiency Ratio 19.77% below tier
- + Tier 1 Capital Ratio 25.03% above tier
- + Non-Interest Income / Assets 0.44% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$226.5M
+3.1% YoY
+1.6% QoQ
|
+$9.0M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$143.6M
+6.8% YoY
-0.4% QoQ
|
+$4.4M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$183.0M
+0.9% YoY
+1.7% QoQ
|
-$682K |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
2.21%
-3.3% YoY
-4.0% QoQ
|
+1.13% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
5.11%
+0.6% YoY
-0.1% QoQ
|
+1.26% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
47.95%
+2.3% YoY
+2.4% QoQ
|
-19.77% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.23%
+57.1% YoY
+103.3% QoQ
|
-0.41% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
78.49%
+5.9% YoY
-2.1% QoQ
|
+3.97% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
27.52%
-6.6% YoY
+2.1% QoQ
|
+5.13% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.15%
+62.8% YoY
+99.3% QoQ
|
-0.30% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
33.88%
+8.1% YoY
+2.2% QoQ
|
+25.03% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
1.01%
-2.6% YoY
+37.1% QoQ
|
+0.44% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.21%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.11%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
47.95%
(Tier avg: 67.73%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
33.88%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
1.01%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Tier 1 Capital Ratio
Current: 33.88% · Tier avg: 8.85%
94
94th pctile
Return on Assets
Current: 2.21% · Tier avg: 1.08%
92
92th pctile
Efficiency Ratio
Current: 47.95% · Tier avg: 67.73%
92
92th pctile
Net Interest Margin
Current: 5.11% · Tier avg: 3.85%
92
92th pctile
Non-Interest Income / Assets
Current: 1.01% · Tier avg: 0.56%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.52% · Tier avg: 22.39%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
58
58th pctile
Total Loans
Current: $143.6M · Tier avg: $139.2M
57
57th pctile
Total Assets
Current: $226.5M · Tier avg: $217.5M
55
55th pctile
Total Deposits
Current: $183.0M · Tier avg: $183.7M
46
46th pctile
Loan-to-Deposit Ratio
Current: 78.49% · Tier avg: 74.53%
Top Weaknesses
46
46th pctile
Loan-to-Deposit Ratio
Current: 78.49% · Tier avg: 74.53%
55
55th pctile
Total Deposits
Current: $183.0M · Tier avg: $183.7M
57
57th pctile
Total Assets
Current: $226.5M · Tier avg: $217.5M
58
58th pctile
Total Loans
Current: $143.6M · Tier avg: $139.2M
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.52% · Tier avg: 22.39%
92
92th pctile
Non-Interest Income / Assets
Current: 1.01% · Tier avg: 0.56%
92
92th pctile
Net Interest Margin
Current: 5.11% · Tier avg: 3.85%
92
92th pctile
Efficiency Ratio
Current: 47.95% · Tier avg: 67.73%
94
94th pctile
Return on Assets
Current: 2.21% · Tier avg: 1.08%
97
97th pctile
Tier 1 Capital Ratio
Current: 33.88% · Tier avg: 8.85%