WAYNE BANK AND TRUST CO.

RICHMOND, IN | Small | Est. Jan. 1, 1882, midnight | FDIC #1849 | RSSD #451246 | FED
Latest Report: 2025-12-31

WAYNE BANK AND TRUST CO. is asn small FDIC-insured commercial bank headquartered in RICHMOND, IN, established in Jan. 1, 1882, midnight. As of 2025-12-31, the bank reported total assets of $251M and total deposits of $223M. Profitability stands at 0.92% ROA and 12.06% ROE, with a net interest margin of 4.14%. The bank's CET1 capital ratio is 11.98%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.19%. FDIC Certificate #1849.

Assets

$251M

Deposits

$223M

Loans

$200M

Equity

$20M

Profitability

Return on Assets (ROA) 0.92%
Return on Equity (ROE) 12.06%
Net Interest Margin (NIM) 4.14%
Yield on Assets 6.09%
Cost of Funds 1.95%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.19%
NPA Ratio 0.02%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 11.98%
Tier 1 Capital 11.98%
Total Capital Ratio 13.13%
Leverage Ratio 9.57%
Loan-to-Deposit 89.71%

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