BANK OF WOLCOTT

WOLCOTT, IN | Small | Est. Oct. 16, 1944, midnight | FDIC #16201 | RSSD #729842 | FDIC
Latest Report: 2025-12-31

BANK OF WOLCOTT is asn small FDIC-insured commercial bank headquartered in WOLCOTT, IN, established in Oct. 16, 1944, midnight. As of 2025-12-31, the bank reported total assets of $275M and total deposits of $228M. Profitability stands at 1.58% ROA and 15.68% ROE, with a net interest margin of 3.50%. The bank's CET1 capital ratio is 10.28%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.33% and a Texas Ratio of 2.18%. FDIC Certificate #16201.

Assets

$275M

Deposits

$228M

Loans

$147M

Equity

$28M

Profitability

Return on Assets (ROA) 1.58%
Return on Equity (ROE) 15.68%
Net Interest Margin (NIM) 3.50%
Yield on Assets 5.40%
Cost of Funds 1.96%

Asset Quality

NPL Ratio 0.33%
Net Charge-Off Ratio 0.00%
Texas Ratio 2.18%
NPA Ratio 0.24%
ACL / Loans 1.57%

Capital & Liquidity

CET1 Ratio 10.28%
Tier 1 Capital 10.28%
Total Capital Ratio 10.79%
Leverage Ratio 12.00%
Loan-to-Deposit 64.30%

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