Bank · FDIC insured
Wayne County Bank
A $595.1M bank headquartered in Waynesboro, TN, with 8 branches in Tennessee. Best rates: CDs 2.99% and savings 2.07% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—3.55%CD rates →
- Savings892.48%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Wayne County Bank
Founded in 1914, Wayne County Bank operates under holding company Wayne County Bankshares, Inc., which was approved in 1983.
In 1991, the institution expanded by acquiring First Federal Savings & Loan Association in Waynesboro.
Following its Loretto branch opening in 2023, the bank expanded to eight banking facilities serving its communities.
- Headquarters
- 216 S High St, Waynesboro, TN 38485
- FDIC certificate
- 9168 ↗
Branches
8 branches in Tennessee
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Tennessee
8 branches
Waynesboro area · 3
- Wayne County BankMain office216 S High St, Waynesboro, TN 38485Directions
- 64 East Express Branch312 Highway 64 E, Waynesboro, TN 38485Directions
- Court Square BranchPublic Square, Waynesboro, TN 38485Directions
Lawrenceburg area · 2
- Citizens Bank Of Lawrence County, A Branch Of Wayne County Bank2144 N Locust Ave, Lawrenceburg, TN 38464Directions
- Citizens Branch Of Lawrence County, A Branch Of Wayne County Bank100 S Military St, Loretto, TN 38469Directions
Clifton area · 1
- Clifton Branch205 Main St, Clifton, TN 38425Directions
Collinwood area · 1
- Collinwood BranchHighway 13 South, Collinwood, TN 38450Directions
Hohenwald area · 1
- Citizens Bank Of Lewis County, A Branch Of Wayne County Bank605 E Main St, Hohenwald, TN 38462Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 13.58% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.72% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.82% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $83 | $81 | — |
- CapitalLeverage ratio13.58%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.72%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.82%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$83Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Wayne County Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.