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Letter portraitLegal landscapeQuarterYTD

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 $3.3MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $188.0M16%Noninterest $36.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.80%, up 31 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.49% of loans (+33 bps YoY), with net charge-offs at 0.01%.
  • 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.

Return on Assets (quarter, annualized)

0.80%+31 bps YoY

Net Interest Margin (quarter, annualized)

3.89%+38 bps YoY

Efficiency Ratio (quarter, annualized)

74.19%-627 bps YoY

Tier 1 Leverage Ratio

9.53%-35 bps YoY

NIM

4.93%Q2 ’245.28%Q2 ’255.54%Q2 ’26+13%+11%

Non-interest income vs. expense

3.10%Q2 ’243.22%Q2 ’253.27%Q2 ’26+8%+1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.51%0.56%0.49%0.81%0.73%0.91%0.80%+31 bps
Return on Equity5.21%6.73%7.52%6.59%11.01%9.51%11.76%10.26%+366 bps
Net Interest Margin3.20%3.29%3.32%3.51%3.70%3.78%3.73%3.89%+38 bps
Efficiency Ratio85.13%81.95%80.81%80.46%73.03%73.66%69.42%74.19%-627 bps
Non-Interest Burden2.64%2.59%2.58%2.73%2.57%2.70%2.45%2.75%+2 bps
Growth
Asset Growth (YoY)5.06%4.15%3.97%7.01%8.86%10.37%12.73%7.03%+3 bps
Loan Growth (YoY)8.24%6.73%9.38%10.46%14.25%14.39%13.72%7.98%-248 bps
Deposit Growth (YoY)3.48%7.83%5.61%7.82%9.29%6.25%11.65%4.19%-363 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.15%0.20%0.16%0.17%0.17%0.13%0.49%+33 bps
Net Charge-Offs / Loans0.00%0.03%0.00%0.00%0.00%0.00%-0.01%0.01%+1 bps
Allowance / Loans1.14%1.13%1.10%1.09%1.08%1.11%1.12%1.16%+6 bps
Allowance Coverage of NPLs5.8x7.4x5.5x6.6x6.4x6.5x8.4x2.4x-4.3x
Capital
Tier 1 Leverage Ratio10.11%10.07%10.14%9.88%9.67%9.57%9.58%9.53%-35 bps
Total Risk-Based Capital14.01%13.99%13.92%13.32%13.03%13.13%9.58%9.53%-379 bps
Equity / Assets7.76%7.37%7.58%7.22%7.51%7.80%7.72%7.83%+61 bps
Liquidity & Funding
Loans / Deposits83.42%83.33%85.52%87.59%87.20%89.71%87.10%90.78%+319 bps
Liquid Assets / Assets3.13%2.54%1.20%1.22%1.21%1.08%2.49%1.36%+14 bps
CRE / Total Capitaln/an/an/an/a423%414%432%n/an/a