Bank Holding Company
WB&T BANKSHARES INC
3 active banks · 1 merged/absorbed · $1.1B combined assets
RSSD ID: 1493636
Combined Assets
$1.1B
CRA Rating Summary
Satisfactory3charters
Bank Charters
Each charter is examined independently for CRA compliance. Legacy entities were merged or absorbed during corporate consolidation.
GUARDIAN BANK
VALDOSTA, GA · FDIC · $601M
SatisfactorySOUTH COAST BANK & TRUST
BRUNSWICK, GA · FDIC · $268M
SatisfactoryWAYCROSS BANK & TRUST
WAYCROSS, GA · FDIC · $234M
SatisfactoryPELHAM BANKING COMPANY
Merged 2018PELHAM, GA · FDIC · $72M
Satisfactory
| Charter | Location | Regulator | Assets | Current Rating | Exam Date |
|---|---|---|---|---|---|
| GUARDIAN BANK | VALDOSTA, GA | FDIC | $601M | Satisfactory | Mar 2026 |
| SOUTH COAST BANK & TRUST | BRUNSWICK, GA | FDIC | $268M | Satisfactory | Jan 2024 |
| WAYCROSS BANK & TRUST | WAYCROSS, GA | FDIC | $234M | Satisfactory | Jan 2021 |
| PELHAM BANKING COMPANYMerged 2018 | PELHAM, GA | FDIC | $72M | Satisfactory | Jun 2016 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.