Wayne Bank
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Data as of · sourced from FFIEC call reports. How we update
Wayne Bank is an FDIC-insured commercial bank headquartered in Honesdale, PA, established in 1871 (FDIC certificate 698), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.91B, up 22.8% from Q2 2025, the 22nd largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 11.09% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 698
- Headquarters
- Honesdale, PA
- Established
- 1871
- Total assets, Q2 2026
- $2.91B
- Assets vs Q2 2025
- +22.8%
- CET1 ratio, Q2 2026
- 11.09%
- Domestic offices
- 33 FDIC institution directory, current count
- Routing number
- 031308548
- Latest call report
- Q2 2026, FFIEC 051 · Wayne Bank call report
- Holding company
- NORWOOD FINANCIAL CORP.
- Asset rank in state
- 22nd of 109 in Pennsylvania
Problem loans are rising at Wayne Bank. Its balance sheet stood at $2.9 billion at June 30, 2026, up 22.8% from a year earlier; it is based in Honesdale, Pennsylvania. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.21% of loans from 0.45% a year earlier. It funds 8.82% of its assets with Tier 1 capital, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also grew its loan book 26.9% over the year, 4.6 times the median of 5.9% for banks its size.
Earnings jumped: net income for the quarter was $9.5 million, 45% above the same quarter a year earlier. The non-owner-occupied commercial real estate book ($350 million) is worsening: 3.19% of it is past due or on nonaccrual, up from 2.18% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.9% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Wayne Bank reported a CET1 capital ratio of 11.09%, a return on assets of 1.29%, a nonperforming-loan ratio of 1.21% and a Texas ratio of 10.91%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Wayne Bank is the 22nd largest of the 109 banks headquartered in Pennsylvania. Between Q1 2026 and Q2 2026, its total assets fell 0.3% to $2.91B, loans rose 1.1% and deposits rose 0.3%. 1-4 family residential loans made up 23.8% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 19.7%. Its 33 offices in the FDIC Summary of Deposits are in 32 cities across 2 states; its Cooperstown office books 10% of its branch deposits. Judged on its Q2 2026 call report, Wayne Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 717 Main St, Honesdale, PA 18431
- County
- Wayne
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1871
- Former names
- Wayne County Bank and Trust Company (1962-1993)
- Domestic offices
- 33 FDIC institution directory, current count
- Employees (FTE)
- 307
- Domestic deposits
- $2.53B
- Allowance for credit losses
- $25.6M
- Net charge-offs (YTD)
- $1.9M
- Average total assets
- $2.94B
- Average total loans
- $2.25B
- Average interest-bearing deposits
- $2.03B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 698
- Fed RSSD
- 59316
- SEC CIK
- 1013272 → filed by NORWOOD FINANCIAL CORP.
- Website
- Wayne.Bank →
- Parent Holding Company
- NORWOOD FINANCIAL CORP. (RSSD 2365356) · NWFL
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| James O Donnelly | CEO | President & CEO |
| Mccaffery John Martin Jr | CFO | EVP & CFO |
| Janak M Amin | COO | EVP & COO |
| Larry Witt | CIO | EVP & CIO |
| Tracie Young | CRO | EVP & CRO |
| John F Carmody | CCO | EVP & Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Wayne Bank's total assets moved between a low of $2.18B (Q3 2023) and a high of $2.92B (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.91B total assets against $2.37B; $2.63B total liabilities against $2.14B.
$2.24B net loans and leases against $1.76B; $2.53B total deposits against $2.00B.
$439.0M securities against $402.5M; $57.1M cash and balances due against $53.0M.
$41.2M total interest income against $31.2M; $13.6M total interest expense against $12.1M.
$27.6M net interest income against $19.0M.
$2.4M total noninterest income against $2.3M; $16.3M total noninterest expense against $12.3M.
$1.9M provision for credit losses against $950K.
$9.5M net income against $6.5M.
1.29% return on assets against 1.09%; 4.01% net interest margin against 3.43%.
11.09% CET1 capital ratio against 12.10%; 8.82% tier 1 leverage ratio against 9.39%.
Inside the full Wayne Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Wayne Bank rankings
Its closest position to the top of a national ranking is 431 of 4,196, for total assets; its furthest is 1,934 of 2,134, for CET1 ratio.
Banks merged into Wayne Bank
- Presence Bank, effective January 5, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.13% (Q4 2024) to 1.48% (Q3 2025) and its net interest margin ran from 2.99% (Q3 2024) to 4.01% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.09% | 1.29% | 1.21% | 10.91% | 4.01% |
| Q1 2026 | 11.01% | 0.63% | 0.46% | 4.42% | 3.79% |
| Q4 2025 | 11.04% | 1.27% | 0.34% | 3.42% | 3.62% |
| Q3 2025 | 10.92% | 1.48% | 0.36% | 3.67% | 3.66% |
| Q2 2025 | 12.10% | 1.09% | 0.45% | 3.74% | 3.43% |
| Q1 2025 | 12.03% | 1.03% | 0.45% | 3.77% | 3.23% |
| Q4 2024 | 12.30% | -2.13% | 0.46% | 3.88% | 3.02% |
| Q3 2024 | 11.66% | 0.70% | 0.47% | 4.30% | 2.99% |
Swipe the table sideways to see every column.
Branch Network
View all 33 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 |
|---|---|---|---|
| Cooperstown Branch | Cooperstown , NY | 13326 | $241.3M |
| Wayne Bank (main office) | Honesdale , PA | 18431 | $221.5M |
| Geneva Branch | Geneva , NY | 14456 | $220.9M |
| Walton Off Br | Walton , NY | 13856 | $213.7M |
| Presence Bank Branch | Coatesville , PA | 19320 | $176.7M |
| Milford Branch | Milford , PA | 18337 | $153.5M |
| Hawley Branch | Hawley , PA | 18428 | $111.2M |
| Penn Yan Branch | Penn Yan , NY | 14527 | $96.8M |
| Stamford Branch | Stamford , NY | 12167 | $93.4M |
| New Holland Branch | New Holland , PA | 17557 | $88.3M |
| Oneonta Branch | Oneonta , NY | 13820 | $64.6M |
| Waymart Branch | Waymart , PA | 18472 | $63.2M |
| Central Scranton Office | Scranton , PA | 18503 | $55.8M |
| Monticello Branch | Monticello , NY | 12701 | $51.7M |
| Liberty Branch | Liberty , NY | 12754 | $50.6M |
| Lakewood Branch | Lakewood , PA | 18439 | $49.5M |
| Marshalls Creek Branch | East Stroudsburg , PA | 18302 | $48.9M |
| Roscoe Branch | Roscoe , NY | 12776 | $47.0M |
| Effort Branch | Effort , PA | 18330 | $45.8M |
| Georgetown Road Branch | Christiana , PA | 17509 | $45.6M |
| Oxford Branch | Oxford , PA | 19363 | $43.7M |
| Clarks Summit Branch | Clarks Summit , PA | 18411 | $42.8M |
| Forty Fort, Pennsylvania Branch | Forty Fort , PA | 18704 | $37.8M |
| Stroud Mall Branch | Stroudsburg , PA | 18360 | $35.9M |
| Callicoon Branch | Callicoon , NY | 12723 | $33.3M |
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 |
|---|---|---|---|
| January 5, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 5, 2026 | Structure Change | Acquired Presence Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 7, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 7, 2020 | Structure Change | Acquired USNY Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2016 | Structure Change | Acquired The National Bank of Delaware County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2011 | Structure Change | Acquired North Penn Bank 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 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in PA, rank 47 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 939 applications, 549 loans originated, $116.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 13 loans, $10.0M approved, $772K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Wayne Bank
What are Wayne Bank's total assets?
As of the Q2 2026 filing, Wayne Bank reported total assets of $2.91 billion in its FFIEC call report.
Where is Wayne Bank headquartered?
It is headquartered in Honesdale, PA, United States.
When was Wayne Bank founded?
It was established in 1871, per the FDIC institution directory.
Is Wayne Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #698). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wayne Bank?
Wayne Bank's primary federal regulator is the FDIC.
What is Wayne Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.09% in its Q2 2026 call report, above regulatory requirements.
How many branches does Wayne Bank operate?
It operates 33 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wayne Bank's Texas Ratio?
Its Texas Ratio is 10.91% 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.
What was Wayne Bank previously called?
The charter now named Wayne Bank has also operated as Wayne County Bank and Trust Company (1962-1993), per FDIC structure-change records.
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