# WAYNE COUNTY BANK
WAYNESBORO, TN · FDIC certificate 9168 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $595.1M | |
| Deposits | $507.1M | |
| Loans and leases | $421.9M | |
| Total equity | $77.8M | |
| Loans / deposits | 82.22% (p51 of band) | 82.04% |
| Liquid assets / assets | 23.87% (p47 of band) | |
| Uninsured deposits / deposits | 19.68% (p28 of band) | 25.97% |
| Brokered deposits | 3.11% | |
| Wholesale funding | 4.25% (p54 of band) | |
| FHLB advances / assets | 1.14% | |
| Tier 1 leverage | 13.58% (p83 of band) | 10.81% |
| Unrealized securities loss / equity | -3.11% (p72 of band) | -8.10% |
| AOCI / equity | 0.18% (p87 of band) | |
| ROA (annualized) | 1.82% (p81 of band) | 1.28% |
| Net interest margin | 4.71% (p88 of band) | 3.91% |
| Efficiency ratio | 45.27% (p11 of band) | |
| Noncurrent loans | 0.72% (p64 of band) | 0.43% |
| Net charge-offs (annualized) | 0.06% (p78 of band) | |
| Reserve coverage of noncurrent | 165.34% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 59.44% (p63 of band) | |
| Auto loans | $9.5M (2.25% of loans; DQ 1.77%, NCO 0.01%) | |
| Loans to nondepository financials | $392,000 (1% of equity) (p90 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 92 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 2 | capital falling, reserve under noncurrent |  |
| 2012-09 | 2 | charge-offs p90 | capital falling |
| 2012-12 | 1 |  | charge-offs p90 |
| 2013-03 | 4 | capital falling, noncurrent p90, charge-offs p90 |  |
| 2013-06 | 3 |  | capital falling |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | noncurrent p90 |
| 2014-06 | 3 | noncurrent p90 |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 4 | uninsured deposits leaving |  |
| 2015-06 | 3 |  | charge-offs p90 |
| 2015-09 | 3 | charge-offs p90 | uninsured deposits leaving |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | brokered >10% |  |
| 2017-06 | 3 |  | brokered >10% |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | uninsured deposits leaving |  |
| 2018-12 | 2 |  | uninsured deposits leaving |
| 2019-03 | 3 | charge-offs p90 |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | charge-offs p90 |
| 2019-12 | 3 | charge-offs p90 |  |
| 2020-03 | 2 |  | charge-offs p90 |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 4 | charge-offs p90 |  |
| 2021-03 | 3 |  | charge-offs p90 |
| 2021-06 | 4 | charge-offs p90 |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 3 |  | charge-offs p90 |
| 2022-03 | 2 |  | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | reserve under noncurrent |
| 2022-12 | 2 | reserve under noncurrent |  |
| 2023-03 | 4 | capital falling, charge-offs p90 |  |
| 2023-06 | 3 |  | charge-offs p90 |
| 2023-09 | 0 |  | noncurrent p90, reserve under noncurrent, capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-04-20 [Tennessee's Wayne County Bank boosts digital banking with Apiture - FinTech Futures](https://news.google.com/rss/articles/CBMiogFBVV95cUxPTHBjWWZ1N3IxWWMtTlVwMGJHaDBVUHJrZlFRUTZaYVNYaVVNdms2VXhsb0xBWG5NQ2dRMFhjWkhKeFRGUE5DRjFnTHVkQllsLVlLcEhUc2h6alFVRjJUWHBYM1JQSU1DeDQxS20wZXpiUTR3LTNCWFZFMzRQdTBsVzFLMVl6N2J3cENKWjNacHlzNVRlcVhuWXk5ZzVFcXplclE?oc=5) · FinTech Futures
- 2026-04-29 [2nd Annual Natchez Valley Pro Rodeo Coming Up Next Weekend - waynecountynews.net](https://news.google.com/rss/articles/CBMiowFBVV95cUxQZnhCQThWc3h2YmJtbVRYSFlUd2dMSEY1RmhFM0RNYjBSVHJCOHg5TkF5QUZ3ZGtRR1NoNzk1dlhVNTFVaU5IZEI1UmUwa2hTY2tiQlQ5aE8xTUlvblhHdTJwUndJdE45ZXlvV3RaSTV4c0RVN3hGNENkOGZXTGZsWk90bHN5VDdWWENSd3o5dG1ZcHBCUWZCdm1zdEQ5TmJabjFR?oc=5) · waynecountynews.net
- 2026-04-16 [Wayne County Bank Selects Apiture Digital Banking to Power Its Next Phase of Growth - Business Wire](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPcC1QU2dLMkd5SnczVEtjUzh5UnF5V0RJUmtER1l4YkZQd0hRVE9KNlRvQVE5SnRrNVRYVlUxTjJhUHdkTnhTWDE2TVFYU2F1NlpFZFk2dTVOU3dNRElmVWsyY25sVmJpcmpFMm1FUHZBSEFGM1liaE5sRHF1QndhcXNyY1dCSmtNOC1qNUFQOWFzLUVOWUxyNzFCcnM1UDNKNlpZOHp5YXNvY0ZKektPNi1nTVhtMTNKRjdSRVlyYkVWLUNTNU83c1VtQmU1bzZLOGJnaU1BOA?oc=5) · Business Wire
- 2022-07-08 [Ernest West Obituary Jul 8, 2022 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMidEFVX3lxTE9aQzNQdTNOSElEdU9CX3VrbTBpajJNQ2ZiNXpWV0FtanRabkRsNDFfOUlXcmZQUHlONVZSRjV2eVR3bWFOdDdRYWJJMWl6RWV6WkFaT3pqbFZick5LSVNnVy15VjZWSFBoQlpTNWpsSzBTdjdN?oc=5) · Shackelford Funeral Directors
- 2016-05-11 [Former bank CEO pleads guilty to $9M bank fraud - Action News 5](https://news.google.com/rss/articles/CBMilAFBVV95cUxPUDJpbkwxcV9HNzNtMGdXWWVMUkRUb0xNMUZmQjk0UFFVMTJUSXcwZ0dnUFZXQVNyU2V5X3RPc0NaenN5RFc0cTNubXdQdFVaVWN6NjRQekUtYTlGMjdzdS04Rl95YWdkN2R2dlo4TGNBenVaUVI5QmhOei0zRGVVcjUwcGdJZGdlbmk2NWdxeE9QVHlO0gGnAUFVX3lxTE5ZMU9uT1k5SVN2b3Qtb2w4LXdrTWphN0hUNEhsYzlxMF9FRkxRTXAyeTNuYUFQM1BLQVhlZ25iQmxpNUlOZllIRHlMSmZfSnc1Vi1EWEFrdDNXUFpQZlRhYWNhOE5nVV9vakprSGJIbXJGdWtTT0R6RnVrb0JMdnlibEpqZFdMbi1jNE1RRm83REprRFFBZDh2NU1KRjVLOHpwMUd3QWdR?oc=5) · Action News 5
- 2025-05-08 [It's Rodeo Time in Wayne County! - waynecountynews.net](https://news.google.com/rss/articles/CBMifEFVX3lxTE5UV2NLSUxQV1FXdVg3TnNXelV4RlJ3NXNDQV9CRGZqNEp2OTREZHd2c0VFdWxYU2c5RU55SzR4NHU1ZnNMUzBnMkl1Nl8tMFFuelN0RGpRUGdoU2tRUUplNm05VW5lXzhURVYxU0c3UGYtM3d1eldfZUh2RG8?oc=5) · waynecountynews.net
- 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
- 2025-02-14 [Wayne/Lawrence County Cattlemen's Association Holds Annual Meeting - waynecountynews.net](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNUk1PbTctUHg2OW5sWjRmM0xhdnBDdEpaYk1BU2xSR2U2ZHEtZkpkLWtSM1hqS0l1a0JISkR6TzB1dXFVcmhYcTFtVmZPa0dlYUh6N3BhMUJqMEQzU0ZQeW9LMDB1SFE2ME1vUmhpbTlzdDdCRVZTQXkwa3FmSm9uSm9mb2xCTWNacTJnZzAxSmEzVkdNRDRVN0R1WlNkM2h2UFZBNno3MXpJQQ?oc=5) · waynecountynews.net

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9168 (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/16.json (key "9168", 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