Waycross Bank & Trust is a bank based in Waycross, Georgia, established in 1988, with $234 million in total assets across 1 branch. By Trust Grade it ranks 93rd of 124 banks we track in Georgia. Its capital ratio of 8.8% trails most similarly sized banks (26th percentile), versus a Georgia median of 10.5%. It was profitable over the most recent period, with a 1.28% return on assets. No consumer complaints against Waycross Bank & Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Waycross Bank & Trust compares to Georgia peers
How we graded Waycross Bank & Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.8% capital ratio)
- Strongly profitable (ROA 1.28%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Waycross Bank & Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (1)
- 501 Tebeau St, Waycross, GA 31501
Are deposits at Waycross Bank & Trust insured?
Yes. Waycross Bank & Trust is an FDIC-insured bank (FDIC certificate #27254). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Waycross Bank & Trust: frequently asked questions
Is Waycross Bank & Trust a good bank?
Waycross Bank & Trust earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Well-capitalized (8.8% capital ratio); Strongly profitable (ROA 1.28%).
Is Waycross Bank & Trust FDIC-insured?
Yes. Waycross Bank & Trust is a FDIC-insured bank (FDIC certificate #27254). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Waycross Bank & Trust?
Waycross Bank & Trust holds $234 million in total assets, ranking 93rd of 124 banks we track in Georgia. It operates 1 branch.
Does Waycross Bank & Trust have CFPB complaints?
No CFPB complaints against Waycross Bank & Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
