Bank of Wolcott
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Data as of · sourced from FFIEC call reports. How we update
Bank of Wolcott is an FDIC-insured commercial bank headquartered in Wolcott, IN, established in 1944 (FDIC certificate 16201), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $280.3M, up 6.0% from Q2 2025, the 63rd largest of 87 banks headquartered in Indiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.01% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16201
- Headquarters
- Wolcott, IN
- Established
- 1944
- Total assets, Q2 2026
- $280.3M
- Assets vs Q2 2025
- +6.0%
- Tier 1 leverage ratio, Q2 2026
- 12.01%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 074913194
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Wolcott call report
- Holding company
- WOLCOTT BANCORP
- Asset rank in state
- 63rd of 87 in Indiana
Bank of Wolcott runs leaner than most banks of its size. Its balance sheet stood at $280 million at June 30, 2026, up 6.0% from a year earlier; it is based in Wolcott, Indiana. It spends about 47 cents to bring in each dollar of revenue, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also holds commercial real estate loans equal to only 35% of its capital, about a third the median of 1.2 times for banks its size.
Net income for the quarter rose 24% from a year earlier, to $1.3 million. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.43% of loans, against 0.23% a year earlier. Its margin is thin by comparison: it keeps 3.46 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Bank of Wolcott reported a return on assets of 1.77%, a nonperforming-loan ratio of 0.43% and a Texas ratio of 2.52%. The figures come from its call report filed with the FFIEC.
Bank of Wolcott ranks as the 63rd largest of the 87 banks based in Indiana, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.5% to $280.3M, loans fell 0.1% and deposits rose 0.2%. Farmland and other real estate loans made up 32.3% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 19.4%. Its 3 offices in the FDIC Summary of Deposits are in Wolcott, IN, Monticello, IN and Remington, IN; its Wolcott office books 54% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Wolcott meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 105 N Range St, Wolcott, IN 47995
- County
- White
- Metro Area
- Monticello, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 16, 1944
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $234.2M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $289.8M
- Average total loans
- $143.5M
- Average interest-bearing deposits
- $194.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 16, 1944
- FDIC Cert
- 16201
- Fed RSSD
- 729842
- Website
- http://www.bankofwolcott.com →
- Parent Holding Company
- WOLCOTT BANCORP (RSSD 1210208)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Wolcott reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Wolcott's total assets ranged from $225.8M (Q3 2023) to $280.3M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$280.3M total assets against $264.3M; $250.7M total liabilities against $241.6M.
$141.1M net loans and leases against $136.2M; $234.2M total deposits against $225.4M.
$126.3M securities against $103.7M; $6.4M cash and balances due against $18.4M.
$3.5M total interest income against $3.1M; $1.2M total interest expense against $1.0M.
$2.3M net interest income against $2.1M.
$173K total noninterest income against $197K; $1.2M total noninterest expense against $1.3M.
$0 provision for credit losses against $13K.
$1.3M net income against $1.0M.
1.77% return on assets against 1.61%; 3.46% net interest margin against 3.41%.
12.01% tier 1 leverage ratio against 12.34%.
Inside the full Bank of Wolcott terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Its closest position to the top of a national ranking is 545 of 3,606, for efficiency ratio; its furthest is 2,555 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.47% (Q4 2024) to 1.84% (Q3 2025) and its net interest margin ran from 3.22% (Q3 2024) to 3.46% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.01% | 1.77% | 0.43% | 2.52% | 3.46% |
| Q1 2026 | 12.16% | 1.53% | 0.50% | 2.91% | 3.38% |
| Q4 2025 | 12.00% | 1.55% | 0.44% | 2.71% | 3.37% |
| Q3 2025 | 12.26% | 1.84% | 0.47% | 2.96% | 3.34% |
| Q2 2025 | 12.34% | 1.61% | 0.23% | 2.02% | 3.41% |
| Q1 2025 | 12.67% | 1.56% | 0.14% | 2.18% | 3.33% |
| Q4 2024 | 12.31% | 1.47% | 0.31% | 3.34% | 3.27% |
| Q3 2024 | 12.41% | 1.66% | 0.31% | 2.95% | 3.22% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Wolcott (main office) | Wolcott , IN | 47995 | $125.7M |
| Monticello Branch | Monticello , IN | 47960 | $66.9M |
| Remington Branch | Remington , IN | 47977 | $41.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 30, 2011 | Structure Change | Acquired Newton County Loan & Savings, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IN, rank 88 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 35 applications, 31 loans originated, $5.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Wolcott
What are Bank of Wolcott's total assets?
As of the Q2 2026 filing, Bank of Wolcott reported total assets of $280.3 million in its FFIEC call report.
Where is Bank of Wolcott headquartered?
It is headquartered in Wolcott, IN, United States.
When was Bank of Wolcott founded?
It was established in 1944, per the FDIC institution directory.
Is Bank of Wolcott FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16201). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Wolcott?
Bank of Wolcott's primary federal regulator is the FDIC.
How many branches does Bank of Wolcott operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Wolcott's Texas Ratio?
Its Texas Ratio is 2.52% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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