PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Wayne County Community

Smithville, OH · Charter 17449

NCUA · 2 branches

Q2 2026

$54.2MAssets
$19.5MLoans
$47.9MShares
$6.1MNet Worth

Executive Summary

  • Earnings: ROA of 1.06%, up 35 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 1.18% of loans (-58 bps YoY).
  • Capital: net worth / assets of 11.25%, up 95 bps from a year ago.
  • Funding: loans stand at 40.73% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.06%+35 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+56 bps YoY

Efficiency Ratio (YTD, annualized)

71.42%-1,107 bps YoY

Net Worth / Assets

11.25%+95 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.37%0.85%0.71%0.95%0.97%0.69%1.06%+35 bps
Return on Equity3.81%3.58%8.32%6.94%8.79%8.89%6.34%9.45%+250 bps
Net Interest Margin2.86%2.77%3.25%3.33%3.54%3.60%3.79%3.89%+56 bps
Efficiency Ratio86.88%87.04%80.78%82.49%76.80%76.06%73.15%71.42%-1,107 bps
Growth
Asset Growth (YoY)-1.39%7.37%9.47%8.84%7.91%3.64%2.21%1.49%-735 bps
Loan Growth (YoY)26.84%22.71%19.65%20.16%20.65%19.97%15.37%10.90%-927 bps
Share Growth (YoY)-0.06%8.00%10.43%8.58%8.17%3.16%1.51%1.47%-712 bps
Asset Quality
Delinquent Loans / Loans1.32%1.33%1.78%1.76%2.11%2.55%1.13%1.18%-58 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.88%10.37%10.24%10.30%10.84%10.95%10.91%11.25%+95 bps
Net Worth / Assets10.88%10.37%10.24%10.30%10.84%10.95%10.91%11.25%+95 bps
Liquidity & Funding
Loans / Shares36.19%35.20%35.33%37.27%40.36%40.94%40.16%40.73%+346 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps