WAYNE BANK AND TRUST CO. is an 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 3.89%. CET1 capital ratio: 11.98%, well above regulatory minimums. NPL ratio: 0.02% · Texas Ratio: 0.19%. Operates 3 domestic branches.
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