Call reports 2026
WAYCROSS BANK & TRUST — 2026
What WAYCROSS BANK & TRUST reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 233,994,000 | 242,176,000 |
| Total loans | 129,655,000 | 125,130,000 |
| Allowance for loan losses | 2,353,000 | 2,354,000 |
| Securities available for sale | 80,886,000 | 86,383,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 209,386,000 | 217,349,000 |
| Interest-bearing deposits | 161,180,000 | 165,239,000 |
| Noninterest-bearing deposits | 48,206,000 | 52,110,000 |
| Equity capital | 20,608,000 | 20,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 2,682,000 | 5,441,000 |
| Interest expense | 823,000 | 1,653,000 |
| Net interest income | 1,859,000 | 3,788,000 |
| Noninterest income | 200,000 | 407,000 |
| Noninterest expense | 1,298,000 | 2,648,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 762,000 | 1,548,000 |
| Income tax | 0 | 0 |
| Net income | 762,000 | 1,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 29,529,000 | 30,054,000 |