Waycross Bank & Trust

Waycross Bank & Trust is a currently active commercial lending specialization banking institution headquartered in Waycross, Georgia. Established in 06/01/1988, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Waycross Bank & Trust manages $234.0M in total assets and holds $209.4M in customer deposits. When evaluating the stability of Waycross Bank & Trust, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 8.81%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.28%, while its Return on Equity (ROE) sits at 15.00%. These robust metrics contribute to an overall health score of 9.5 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.