Legal name: WB&T BANKSHARES, INC.
3 active banks · 1 merged/absorbed · $1.1B combined assets
RSSD ID: 1493636 (FFIEC NIC)
Combined Assets
$1.1B
CRA Rating Summary
Across all 28 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Satisfactory
3 of 3 banks · Meets expectations for community lending
Combined Assets
$1.1B
3 active banks
Aggregated from the most recent call report filings for all active charters.
Total Deposits
$983M
Net Income
$4M
ROA (avg)
1.5%
asset-weighted avg
Aggregated HMDA data across all active charters for 2024.
Applications
221
Origination Rate
95.02%
Denial Rate
2.26%
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| GUARDIAN BANK | VALDOSTA, GA | FDIC | $601M | 100.0% | Satisfactory | Mar 2026 |
| SOUTH COAST BANK & TRUST | BRUNSWICK, GA | FDIC | $268M | 100.0% | Satisfactory | Jan 2024 |
| WAYCROSS BANK & TRUST | WAYCROSS, GA | FDIC | $234M | 100.0% | Satisfactory | Jan 2021 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.