# BANK OF WAYNESBORO
WAYNESBORO, TN · FDIC certificate 2375 · asset band <$300M · latest filing 2020-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $188.4M | |
| Deposits | $164.1M | |
| Loans and leases | $120.6M | |
| Total equity | $23.7M | |
| Loans / deposits | 72.15% (p47 of band) | 73.75% |
| Liquid assets / assets | 32.76% (p49 of band) | |
| Uninsured deposits / deposits | 7.37% (p12 of band) | 17.11% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.72% (p69 of band) | 10.95% |
| Unrealized securities loss / equity | 1.22% (p34 of band) | 2.60% |
| AOCI / equity | 0.62% (p35 of band) | |
| ROA (annualized) | 0.68% (p31 of band) | 0.97% |
| Net interest margin | 4.37% (p85 of band) | 3.63% |
| Efficiency ratio | 72.76% (p59 of band) | |
| Noncurrent loans | 0.33% (p41 of band) | 0.52% |
| Net charge-offs (annualized) | 0.02% (p68 of band) | |
| Reserve coverage of noncurrent | 533.58% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 46.65% (p80 of band) | |
| Auto loans | $4.4M (3.68% of loans; DQ 0.34%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.0% | |
| Employees | 61 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | charge-offs p90 |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | charge-offs p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-01-28 [Bank of Waynesboro Merges with CapStar Bank - waynecountynews.net](https://news.google.com/rss/articles/CBMijgFBVV95cUxPQVZUYWZGdGx0N0ZPYnJtY1NqZjlfaDB4X3JoUzhqMU5LQjJNc3QwUWZNbjdnUUNreW9DNnJvMzBFdThVdGptaGowS0lLbTQxRDNyX3ROMnFCVV9Cdm1yckoyelRVZFlkeXZWVkZ1ODBiZ2dVVWtGb3dwdnlHd3JwdzlfMFpjWTdFaEtVZXN3?oc=5) · waynecountynews.net
- 2020-08-01 [First National Bank Merges With CapStar - WGNS Radio](https://news.google.com/rss/articles/CBMihgFBVV95cUxPUE8tVTVycGVWOG1sMjBzcnF4WVhjN2FQRS13eEZhM0FFYVd5cDhYQWZYVldLQnloTmlCLWpCaktZLXpjTWIzbTNyd0hnSEpLbzNuaXl5a3lrM05OeUZQamZjc0VGblR1bFB1ZHdUR1pzSGhWZENfMHE1UWhOOHhfbWJKSTBzZ9IBiwFBVV95cUxPVTh5d0xRTG9uZzMydFZpaF9KMHZzS1pQNk1UZDV0LTl2WGptcU5oTTBJRFF0VUlOckYyRl93bnRtNU1rLW5WNjY5MHFINGZIYlpyTU1vLTJ0QmR2emVWUXZMcktlQnZJS0Y0c0lDY0toRnF6X2hoZERsVDN5aDZJbE5BZTBfMERaTTRF?oc=5) · WGNS Radio
- 2024-03-18 [Harold Wayne Pope Obituary Mar 18, 2024 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMidEFVX3lxTE1IMTlySWloVmxoMTM4QjlXcnAxU0VhUl83VVRIQU4xbmpLZnE4Yk9TRWczT2tNeGYxU1BxMlZhVms4YkNmUkdyclRVSEx5bENYZFdwUTdSX2FUMUFEeGZaQktDZ29EYWRGdldOb3llVkdSb1Vj?oc=5) · Shackelford Funeral Directors
- 2020-01-23 [CapStar buys pair of Tennessee banks - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxPeWl2eW91ejBpTGsxUjNDX0taMTNyMVpQZW9kdVl5SS1menE1M2owZV9lZFdhNk5VMHpzNWRQaGc0UEE4WElTbnlFdkFrc1BpdXdicllIbFpnUm9XXzZSTllHUlVjMzVBcVFhWXVqaHBkN3lLTU1neWZIZ3BSNVZZMmh4OHdWRml2Mlo5ZEtDZzlJR01ITHFLNXd6Yw?oc=5) · The Business Journals
- 2024-03-18 [Harold Wayne Pope Obituary (2024) - Waynesboro, TN - Shackelford Funeral Directors of Wayne County - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFBIeWxLcnBjNC11Q3BVTEFobnhtMi1STFRnUy02NkpTRWpDREZQWHNZbHgtYUxRMXZNUDFHeGNwU2FjUXdDOWpVWmc1b0lwUktGSjI0SFdsazcycnlEQzVkd2dyM1BZTlNZeTJ6NUZnRThFRlRsNW5vQmpIbGhHTjQ?oc=5) · legacy.com
- 2024-08-14 [John Wilburn Castleman Sr. Obituary Aug 14, 2024 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMieEFVX3lxTE55YXBVUGRQMkdHTVJTeFdEcGg5aXRYX0lqMjhRVWIzRmtKNThzNjJfc25OR0hJUXljVElvZUJwa1pPQjQ3TGQ1R3lBcldzaWJxcm5SS0RPeDdnWHRnZkl5SUVnaEVkMjRZNzJ2M0ZnWW1Nbmt5OFNQSQ?oc=5) · Shackelford Funeral Directors
- 2019-04-04 [Jason Brian Camfield Obituary Apr 4, 2019 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMieEFVX3lxTE1SSDRoRWhoaWg1UTh0RlB6ZXd6RmFFS0NLWHJaZEtsY0tKeVQ3WkRDVEtaaDdkN1NWZ2JQNDBZSUFiTHhEVWZ0VnZLWHZYbjJ2ZU1JZ1hITFV2SlB4YURaS1duQ19nSmFMVmdYY1JxUWh4MWMweVFIUA?oc=5) · Shackelford Funeral Directors
- 2013-02-15 [Ronald Marion Kelley Obituary Feb 15, 2013 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMid0FVX3lxTE9DRjRqcTV5dkIybjFHczdiMm5Td25SYlZHZVZSeVlTRFpDT2Uyb3AtckpCWHFfYnRxYjRXOUlCWE5MeUo3TVh2RlpjM1BpUGZLdzJkZENLTXE0RkVGdF9QbVYxdjdHU2NIZ1lWXzdXZGxOc3ZaOG9n?oc=5) · Shackelford Funeral Directors

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2375 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/7.json (key "2375", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide