At a glance
From its website, read 2 Nov 2026Wayne County Bancshares, Inc. is a bank holding company based in Waynesboro, Tennessee. Its website describes farm loans, auto loans, commercial real estate loans and 5 other loan types. Where it lends: Wayne County, TN and its surrounding counties. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (931) 722-5438 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.waynecountybank.com |
| Office (official list) | 216 South High St Hwy 64 W, Waynesboro, TN 38485 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jun 2026 |
| RSSD ID | 1084829 |
| Address | 216 South High St Hwy 64 W, Waynesboro, TN 38485 Directions (Google Maps) |
| Website | www.waynecountybank.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. No loan amounts, eligibility rules or borrower focus are stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Competitive rates for a wide range of agribusiness-related needs | source |
| Auto / vehicle loans | — | Competitive rates on new or used vehicles | source |
| Commercial real estate loans | — | Competitive rates for the purchase, refinance, or construction of commercial properties | source |
| Equipment loans | — | Competitive rates for new or used equipment | source |
| Home repair / improvement loans | — | Competitive rates to finance your home improvement project | source |
| Home mortgages | — | Competitive rates for home purchase or refinance | source |
| Personal / consumer loans | — | Personal financing for vehicle repairs, vacations, debt consolidation, and more | source |
| Small-business loans | — | Competitive rates for a wide range of business expenses | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Wayne County, TN and its surrounding counties
Quick, local processing in Wayne County, TN and its surrounding counties
source
Counties this matches: Wayne County, TN
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Now
source
Pages read (7)
- https://www.waynecountybank.com/
- https://www.waynecountybank.com/business/business-loans
- https://www.waynecountybank.com/loans-credit/personal-loans
- https://www.waynecountybank.com/loans-credit/personal-loans/auto-loans.html
- https://www.waynecountybank.com/business/business-loans/equipment-loans.html
- https://www.waynecountybank.com/business/business-loans/agriculture-loans.html
- https://www.waynecountybank.com/business/business-loans/business-term-loans.html
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and commercial real estate loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
FDIC, 30 Jun 2026Subsidiary bank on file with the FDIC: Wayne County Bank (FDIC cert 9168, total assets $595.1 million). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $595.1 million (as of 30 Jun 2026) |
|---|---|
| Offices | 8 (as of 30 Oct 2026) |
Offices by state and county (8)
Tennessee (8 offices)
- Lawrence County (2): 2144 N Locust Ave, Lawrenceburg 38464; 100 S Military St, Loretto 38469
- Lewis County (1): 605 E Main St, Hohenwald 38462
- Wayne County (5): 216 S High St, Waynesboro 38485 (main office); 205 Main St, Clifton 38425; Highway 13 South, Collinwood 38450; 312 Highway 64 E, Waynesboro 38485; Public Square, Waynesboro 38485
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, Wayne County Bank (RSSD 511832, FDIC cert 9168), the only active bank the FDIC lists under this holding company. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $421.9 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 4.1% from $405.4 million on 30 Jun 2025 |
| Total assets | $595.1 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $100.7 million | 23.9% |
| Commercial real estate, construction and multifamily | $154.1 million | 36.5% |
| Commercial and industrial (business) loans | $48.8 million | 11.6% |
| Farmland and farm production loans | $86.1 million | 20.4% |
| Consumer loans (credit cards, auto, other) | $31.5 million | 7.5% |
| All other loans and leases | $755,000 | 0.2% |
None reported on the 30 Jun 2026 report: home equity lines of credit.
Within consumer loans: auto loans $9.5 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 53 loans $2.4 million | 715 loans $15.8 million |
| $100,001 to $250,000 | 80 loans $10.5 million | 95 loans $8.9 million |
| $250,001 to $1 million | 64 loans $30 million | 39 loans $11.7 million |
| All small business loans | 197 loans $42.9 million | 849 loans $36.4 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 130 loans $5.5 million | 389 loans $7.7 million |
| $100,001 to $250,000 | 91 loans $11 million | 35 loans $4.5 million |
| $250,001 to $500,000 | 40 loans $11.7 million | 7 loans $1.4 million |
| All small farm loans | 261 loans $28.1 million | 431 loans $13.6 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $595.1 million | Larger than 59% of the 17 other certified banks and bank holding companies in Tennessee (median $325.6 million). |
| Loans as a share of assets | 71% | Median of the same 17 banks and bank holding companies: 71%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $405.4 million → $421.9 million (+4%) | Median change of 17 other certified banks and bank holding companies in Tennessee: +9%. Rank by loans held among these 18: 7 → 7. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Tennessee | 17 | larger than 59% |
| Loans held then vs now | certified banks and bank holding companies in Tennessee reporting both dates | 17 | rank 7 → 7 of 18 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026SBA loan data names this holding company's bank, not the holding company. Its subsidiary Wayne County Bank is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Waynesboro and Tennessee
- Wayne County BankBank or thrift · Waynesboro, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
Work at Wayne County Bancshares, Inc.? Link to this page
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