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
Unfavorable gap of $6.6M · efficiency ratio beats 32% 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 | 0.86% | 0.72% | 1.06% | 1.45% | Beats 36% | 481 / 746 | |
| Return on Equity | 10.94% | 6.74% | 10.51% | 13.63% | Beats 54% | 342 / 746 | |
| Net Interest Margin | 3.80% | 3.17% | 3.68% | 4.16% | Beats 55% | 332 / 746 | |
| Efficiency Ratio | 71.87% | 55.74% | 64.58% | 75.47% | Beats 32% | 506 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.09% | 0.42% | 1.07% | Beats 46% | 402 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 50% | 372 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 9.53% | 11.55% | 13.75% | 17.60% | Beats 3% | 721 / 746 | |
| Total Risk-Based Capital Ratio | 9.53% | 11.71% | 14.33% | 18.43% | Beats 3% | 721 / 746 | |
| Equity / Assets | 7.83% | 8.90% | 10.51% | 13.06% | Beats 12% | 655 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 90.78% | 61.31% | 78.27% | 90.78% | 75th pctl | 187 / 746 | |
| Loans / Assets | 79.87% | 53.60% | 66.97% | 76.08% | 85th pctl | 111 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |