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Wayne Bank and Trust Co.

Richmond, IN · Cert 1849 · Waytru Bcorp

State charter, Fed member · FED · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

6

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

43

Q2 2024Q2 2026peer median

Efficiency

32

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wayne Bank and Trust Co.

Richmond, IN · Cert 1849 · Waytru Bcorp

State charter, Fed member · FED · 4 branches

Q2 2026

$255.3MAssets
$203.9MLoans
$224.6MDeposits
$20.0MEquity
Loan mix
90%RE $180.5M9%C&I $17.5M2%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $188.0M16%Noninterest $36.6MQ2 2025Q2 2026

NIM

4.80%Q2 ’245.14%Q2 ’255.47%Q2 ’26+11%+12%

Non-interest income vs. expense

3.10%Q2 ’243.13%Q2 ’253.08%Q2 ’26+3%-1%

Executive Summary

  • Earnings: ROA of 0.86%, up 33 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.49% of loans (+33 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.53%, down 35 bps from a year ago.
  • Funding: loans stand at 90.78% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.86%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+42 bps YoY

Efficiency Ratio (YTD, annualized)

71.87%-875 bps YoY

Tier 1 Leverage Ratio

9.53%-35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.62%0.65%0.91%0.86%+33 bps
Return on Equity7.08%8.38%8.69%11.76%11.01%+394 bps
Net Interest Margin3.38%3.41%3.41%3.73%3.80%+42 bps
Efficiency Ratio80.63%77.90%76.77%69.42%71.87%-875 bps
Non-Interest Burden2.63%2.55%2.52%2.45%2.59%-4 bps
Growth
Asset Growth (YoY)7.01%8.86%10.37%12.73%7.03%+3 bps
Loan Growth (YoY)10.46%14.25%14.39%13.72%7.98%-248 bps
Deposit Growth (YoY)7.82%9.29%6.25%11.65%4.19%-363 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.17%0.17%0.13%0.49%+33 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.01%0.00%0 bps
Allowance / Loans1.09%1.08%1.11%1.12%1.16%+6 bps
Allowance Coverage of NPLs6.6x6.4x6.5x8.4x2.4x-4.3x
Capital
Tier 1 Leverage Ratio9.88%9.67%9.57%9.58%9.53%-35 bps
Total Risk-Based Capital13.32%13.03%13.13%9.58%9.53%-379 bps
Equity / Assets7.22%7.51%7.80%7.72%7.83%+61 bps
Liquidity & Funding
Loans / Deposits87.59%87.20%89.71%87.10%90.78%+319 bps
Liquid Assets / Assets1.22%1.21%1.08%2.49%1.36%+14 bps
CRE / Total Capitaln/a423%414%432%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Wayne Bank and Trust Co.

Richmond, IN · Cert 1849 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Waytru Bcorp

State charter, Fed member · FED · 4 branches

Q2 2026

$255.3MAssets
$203.9MLoans
$224.6MDeposits
$20.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 55% of banks under $1B in assets operating in a single state (rank 332 of 746).
  • Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets operating in a single state (rank 721 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.86%

Rank 481 of 746

Net Interest Margin

3.80%

Rank 332 of 746

Efficiency Ratio

71.87%

Rank 506 of 746

Equity / Assets

7.83%

Rank 655 of 746

Non-interest income vs. expense

$1.3M$7.9MINCOMEEXPENSE
Unfavorable gap of $6.6M · efficiency ratio beats 32% of banks under $1B in assets operating in a single state
Bank 71.87%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.86%0.72%1.06%1.45%Beats 36%481 / 746
Return on Equity10.94%6.74%10.51%13.63%Beats 54%342 / 746
Net Interest Margin3.80%3.17%3.68%4.16%Beats 55%332 / 746
Efficiency Ratio71.87%55.74%64.58%75.47%Beats 32%506 / 746
Asset Quality
Nonperforming Loans / Loans0.49%0.09%0.42%1.07%Beats 46%402 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 50%372 / 743
Capital
Tier 1 Capital Ratio9.53%11.55%13.75%17.60%Beats 3%721 / 746
Total Risk-Based Capital Ratio9.53%11.71%14.33%18.43%Beats 3%721 / 746
Equity / Assets7.83%8.90%10.51%13.06%Beats 12%655 / 746
Liquidity & Funding
Loans / Deposits90.78%61.31%78.27%90.78%75th pctl187 / 746
Loans / Assets79.87%53.60%66.97%76.08%85th pctl111 / 746
Brokered Deposits / Depositsn/aNot reported for this institution