BlastPoint's Banking Scorecard
Wayne County Bank
Community
Specialty: Commercial
TN
FDIC cert 9168
Waynesboro, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Wayne County Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 17.10% below tier
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 36% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$578.5M
+7.5% YoY
+1.8% QoQ
|
-$812.9M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$421.1M
+12.0% YoY
+2.9% QoQ
|
-$554.4M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$494.6M
+6.9% YoY
+1.7% QoQ
|
-$670.0M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
1.74%
+9.0% YoY
-0.2% QoQ
|
+0.58% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
85% |
| Net Interest Margin ? |
4.61%
+0.5% YoY
+0.1% QoQ
|
+0.95% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
45.53%
-6.7% YoY
+0.8% QoQ
|
-17.10% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.67%
-15.7% YoY
+4.9% QoQ
|
+0.04% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
85.13%
+4.8% YoY
+1.2% QoQ
|
+2.07% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
15.35%
-18.3% YoY
+3.3% QoQ
|
-5.70% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.48%
-12.2% YoY
+6.1% QoQ
|
-0.01% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.57%
+9.8% YoY
+27.1% QoQ
|
-0.17% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 9%
in Community
Why this stands out
Current:
45.53%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
NIB Deposit Bleed
decline
#33 of 89 · Bottom 36% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
15.35%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank declining
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
91
91th pctile
Efficiency Ratio
Current: 45.53% · Tier avg: 62.63%
89
89th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.66%
85
85th pctile
Return on Assets
Current: 1.74% · Tier avg: 1.16%
57
57th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
51
51th pctile
Loan-to-Deposit Ratio
Current: 85.13% · Tier avg: 83.06%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
38
38th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.35% · Tier avg: 21.05%
18
18th pctile
Total Loans
Current: $421.1M · Tier avg: $975.5M
12
12th pctile
Total Deposits
Current: $494.6M · Tier avg: $1.2B
11
11th pctile
Total Assets
Current: $578.5M · Tier avg: $1.4B
Top Weaknesses
11
11th pctile
Total Assets
Current: $578.5M · Tier avg: $1.4B
12
12th pctile
Total Deposits
Current: $494.6M · Tier avg: $1.2B
18
18th pctile
Total Loans
Current: $421.1M · Tier avg: $975.5M
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.35% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
38
38th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.63%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
51
51th pctile
Loan-to-Deposit Ratio
Current: 85.13% · Tier avg: 83.06%
57
57th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
85
85th pctile
Return on Assets
Current: 1.74% · Tier avg: 1.16%
89
89th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.66%
91
91th pctile
Efficiency Ratio
Current: 45.53% · Tier avg: 62.63%