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WB&T Waycross B&T

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WB&T Waycross B&T Rates & Review April 2026

Q: How many branches does WB&T Waycross B&T operate?

WB&T Waycross B&T currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, WB&T Waycross B&T does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, WB&T Waycross B&T provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 14, 2026

You can compare WB&T Waycross B&T rates to other rates in our database, including 12-month CD rates currently at 4.06%, 6-month CD rates at 0.05% and 3-month CD rates at 0.10%. Savings rates are at 0.02% and money market rates are at 1.06%. Mortgage rates on 30-year fixed loans are around 6.12%. All these rates can be compared to WB&T Waycross B&T rates. MonitorBankRates evaluates the financial stability of WB&T Waycross B&T with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 04/14/2026.

WB&T Waycross B&T money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at WB&T Waycross B&T? Share your experience about WB&T Waycross B&T by leaving a review below, or read customer reviews before you decide to use WB&T Waycross B&T.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

No Data No data

WB&T Waycross B&T

501 Tebeau St
Waycross, GA 31501

https://www.wbt.bank

Current Rate Availability

We do not have WB&T Waycross B&T rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for WB&T Waycross B&T is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather WB&T Waycross B&T rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with WB&T Waycross B&T's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name WB&T Waycross B&T

Bank Holding Company WB&T BANKSHARES INC

Address 501 Tebeau St, Waycross, GA 31501 · Ware

Website https://www.wbt.bank

FDIC Certificate # 27254

Established 06/01/1988

FDIC Insurance Date 06/01/1988

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1493%

Return on Equity (ROE) 23.7100%

Non-Performing Loans (NPL) 0.00%

Total Assets $240,688,000

Total Deposits $216,493,000

Equity Capital $20,042,000

Net Income $3,107,000

Headquarters Waycross

Total Offices 1

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About WB&T Waycross B&T

Is WB&T Waycross B&T a safe place to deposit money?

Yes, WB&T Waycross B&T is considered a safe financial institution. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does WB&T Waycross B&T operate?

WB&T Waycross B&T currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, WB&T Waycross B&T does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, WB&T Waycross B&T provides members with tools to manage their accounts and build a solid financial history.

Does WB&T Waycross B&T offer online and mobile banking?

Most modern institutions like WB&T Waycross B&T provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.wbt.bank.