Wayne Bank
Honesdale, PA · Cert 698 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · 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 55% of banks $1B-$10B in assets operating regionally (rank 80 of 176).
- Widest gap: tier 1 capital ratio trails 76% of banks $1B-$10B in assets operating regionally (rank 134 of 176).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.97%
Rank 127 of 176
Net Interest Margin
3.64%
Rank 80 of 176
Efficiency Ratio
63.88%
Rank 113 of 176
Equity / Assets
9.35%
Rank 125 of 176
Non-interest income vs. expense
Unfavorable gap of $63.8M · efficiency ratio beats 36% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.97% | 0.93% | 1.26% | 1.54% | Beats 28% | 127 / 176 | | |
| Return on Equity | 10.33% | 9.26% | 11.89% | 14.46% | Beats 38% | 110 / 176 | | |
| Net Interest Margin | 3.64% | 3.25% | 3.59% | 3.93% | Beats 55% | 80 / 176 | | |
| Efficiency Ratio | 63.88% | 52.79% | 59.55% | 67.66% | Beats 36% | 113 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.21% | 0.30% | 0.64% | 1.32% | Beats 27% | 130 / 176 | | |
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.04% | 0.10% | Beats 29% | 126 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 11.09% | 11.15% | 12.72% | 14.15% | Beats 24% | 134 / 176 | | |
| Total Risk-Based Capital Ratio | 12.22% | 11.81% | 13.63% | 15.33% | Beats 30% | 123 / 176 | | |
| Equity / Assets | 9.35% | 9.16% | 10.35% | 11.80% | Beats 29% | 125 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.45% | 80.94% | 89.73% | 97.21% | 48th pctl | 91 / 176 | | |
| Loans / Assets | 77.87% | 69.25% | 75.12% | 80.82% | 61st pctl | 68 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |