Bank of Wolcott
Wolcott, IN · Cert 16201 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 129 of 746).
- Widest gap: net interest margin trails 78% of banks under $1B in assets operating in a single state (rank 584 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.31%
Rank 242 of 746
Net Interest Margin
3.10%
Rank 584 of 746
Efficiency Ratio
51.54%
Rank 129 of 746
Equity / Assets
10.53%
Rank 370 of 746
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% | 1.06% | 1.45% | Beats 68% | 242 / 746 | |
| Return on Equity | 12.47% | 6.74% | 10.51% | 13.63% | Beats 67% | 248 / 746 | |
| Net Interest Margin | 3.10% | 3.17% | 3.68% | 4.16% | Beats 22% | 584 / 746 | |
| Efficiency Ratio | 51.54% | 55.74% | 64.58% | 75.47% | Beats 83% | 129 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.09% | 0.42% | 1.07% | Beats 50% | 375 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 70% | 231 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.01% | 11.55% | 13.75% | 17.60% | Beats 32% | 510 / 746 | |
| Total Risk-Based Capital Ratio | 12.01% | 11.71% | 14.33% | 18.43% | Beats 28% | 538 / 746 | |
| Equity / Assets | 10.53% | 8.90% | 10.51% | 13.06% | Beats 50% | 370 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 61.22% | 61.31% | 78.27% | 90.78% | 25th pctl | 562 / 746 | |
| Loans / Assets | 51.16% | 53.60% | 66.97% | 76.08% | 22nd pctl | 583 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |