WAYNE BANK

HONESDALE, PA | Large | Est. Jan. 1, 1871, midnight | FDIC #698 | RSSD #59316 | FDIC
Latest Report: 2025-12-31

WAYNE BANK is aln large FDIC-insured commercial bank headquartered in HONESDALE, PA, established in Jan. 1, 1871, midnight. As of 2025-12-31, the bank reported total assets of $2.4B and total deposits of $2.1B. Profitability stands at 1.30% ROA and 14.74% ROE, with a net interest margin of 3.74%. The bank's CET1 capital ratio is 11.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.34% and a Texas Ratio of 2.95%. FDIC Certificate #698.

Assets

$2.4B

Deposits

$2.1B

Loans

$1.8B

Equity

$217M

Profitability

Return on Assets (ROA) 1.30%
Return on Equity (ROE) 14.74%
Net Interest Margin (NIM) 3.74%
Yield on Assets 5.91%
Cost of Funds 3.55%

Asset Quality

NPL Ratio 0.34%
Net Charge-Off Ratio 0.10%
Texas Ratio 2.95%
NPA Ratio 0.29%
ACL / Loans 1.08%

Capital & Liquidity

CET1 Ratio 11.04%
Tier 1 Capital 11.04%
Total Capital Ratio 12.08%
Leverage Ratio 8.56%
Loan-to-Deposit 87.70%

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