Wayne Bank
Honesdale, PA · Cert 698 · Peer group: banks $1B-$10B in assets (n=313-319) · Norwood Financial Corp.
State charter, non-member · FDIC · 33 branches
Q2 2026
$2.9BAssets
$2.3BLoans
$2.5BDeposits
$271.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 65% of banks $1B-$10B in assets (rank 113 of 319).
- Widest gap: tier 1 capital ratio trails 84% of banks $1B-$10B in assets (rank 269 of 319).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.97%
Rank 231 of 319
Net Interest Margin
3.64%
Rank 113 of 319
Efficiency Ratio
63.88%
Rank 202 of 319
Equity / Assets
9.35%
Rank 220 of 319
Non-interest income vs. expense
Unfavorable gap of $63.8M · efficiency ratio beats 37% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.97% | 0.91% | 1.21% | 1.53% | Beats 28% | 231 / 319 | |
| Return on Equity | 10.33% | 8.49% | 11.44% | 14.57% | Beats 38% | 198 / 319 | |
| Net Interest Margin | 3.64% | 3.06% | 3.43% | 3.81% | Beats 65% | 113 / 319 | |
| Efficiency Ratio | 63.88% | 51.90% | 59.57% | 67.64% | Beats 37% | 202 / 319 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.21% | 0.25% | 0.54% | 1.18% | Beats 24% | 238 / 313 | |
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.04% | 0.12% | Beats 30% | 219 / 313 | |
| Capital |
| Tier 1 Capital Ratio | 11.09% | 11.74% | 12.99% | 15.28% | Beats 16% | 269 / 319 | |
| Total Risk-Based Capital Ratio | 12.22% | 12.61% | 14.01% | 16.23% | Beats 20% | 254 / 319 | |
| Equity / Assets | 9.35% | 9.03% | 10.33% | 12.01% | Beats 31% | 220 / 319 | |
| Liquidity & Funding |
| Loans / Deposits | 89.45% | 76.76% | 88.16% | 95.43% | 53rd pctl | 149 / 314 | |
| Loans / Assets | 77.87% | 65.79% | 74.05% | 79.84% | 66th pctl | 109 / 319 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |