Bank of Wolcott
Wolcott, IN · Cert 16201 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Wolcott Bcorp
State charter, non-member · FDIC · 3 branches
Q2 2026
$280.3MAssets
$143.4MLoans
$234.2MDeposits
$29.5MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 83% of banks under $1B in assets operating in a single state (rank 131 of 752).
- Widest gap: net interest margin trails 79% of banks under $1B in assets operating in a single state (rank 591 of 752).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.31%
Rank 246 of 752
Net Interest Margin
3.10%
Rank 591 of 752
Efficiency Ratio
51.54%
Rank 131 of 752
Equity / Assets
10.53%
Rank 382 of 752
Non-interest income vs. expense
Unfavorable gap of $4.3M · efficiency ratio beats 83% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.72% | 1.07% | 1.45% | Beats 67% | 246 / 752 | |
| Return on Equity | 12.47% | 6.78% | 10.58% | 13.65% | Beats 67% | 251 / 752 | |
| Net Interest Margin | 3.10% | 3.18% | 3.69% | 4.17% | Beats 21% | 591 / 752 | |
| Efficiency Ratio | 51.54% | 55.75% | 64.49% | 75.47% | Beats 83% | 131 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.09% | 0.42% | 1.03% | Beats 49% | 381 / 748 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 70% | 232 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 12.01% | 11.55% | 13.75% | 17.60% | Beats 32% | 512 / 752 | |
| Total Risk-Based Capital Ratio | 12.01% | 11.70% | 14.33% | 18.47% | Beats 28% | 541 / 752 | |
| Equity / Assets | 10.53% | 8.93% | 10.56% | 13.13% | Beats 49% | 382 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 61.22% | 62.23% | 78.64% | 91.26% | 24th pctl | 575 / 752 | |
| Loans / Assets | 51.16% | 54.61% | 67.41% | 76.47% | 21st pctl | 596 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |