Wayne Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 142.71 percentage points lower than in Q1 2026, at 93.70%. Within Pennsylvania, Wayne Bank is 36th of 109 on return on assets, 1.29% as of Q2 2026. At 1.29%, Wayne Bank's return on assets is close to the 1.27% median for banks in the $1B-10B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.09% |
| Tier 1 risk-based capital ratio | 11.09% |
| Total risk-based capital ratio | 12.22% |
| Tier 1 leverage ratio | 8.82% |
| Equity capital to assets | 9.35% |
| Tangible equity to tangible assets | 8.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.21% |
| Non-performing assets ratio | 0.97% |
| Net charge-off ratio | 0.24% |
| Texas ratio | 10.91% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 93.70% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 14.14% |
| Net interest margin | 4.01% |
| Efficiency ratio | 53.39% |
| Yield on earning assets | 5.98% |
| Cost of funds | 2.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.45% |
| Core deposits to total deposits | 87.48% |
| Brokered deposits to total deposits | 1.76% |
| Deposits to assets | 87.06% |
| Securities to assets | 15.11% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.90% | 11.90% | 12.78% | 9.17% | 0.78% |
| Q4 2023 | 11.95% | 11.95% | 13.02% | 8.98% | 0.09% |
| Q1 2024 | 11.93% | 11.93% | 12.96% | 8.93% | 0.82% |
| Q2 2024 | 11.87% | 11.87% | 12.87% | 8.88% | 0.76% |
| Q3 2024 | 11.66% | 11.66% | 12.70% | 8.97% | 0.70% |
| Q4 2024 | 12.30% | 12.30% | 13.39% | 9.33% | -2.13% |
| Q1 2025 | 12.03% | 12.03% | 13.15% | 9.38% | 1.03% |
| Q2 2025 | 12.10% | 12.10% | 13.24% | 9.39% | 1.09% |
| Q3 2025 | 10.92% | 10.92% | 11.98% | 8.56% | 1.48% |
| Q4 2025 | 11.04% | 11.04% | 12.08% | 8.56% | 1.27% |
| Q1 2026 | 11.01% | 11.01% | 12.10% | 8.76% | 0.63% |
| Q2 2026 | 11.09% | 11.09% | 12.22% | 8.82% | 1.29% |
Wayne Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wayne Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Wayne Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 698) · FFIEC NIC profile (RSSD 59316)