Wayne Bank and Trust Co.
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Data as of · sourced from FFIEC call reports. How we update
Wayne Bank and Trust Co. is an FDIC-insured commercial bank headquartered in Richmond, IN, established in 1882 (FDIC certificate 1849), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $255.3M, up 7.0% from Q2 2025, the 66th largest of 87 banks headquartered in Indiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.53% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1849
- Headquarters
- Richmond, IN
- Established
- 1882
- Total assets, Q2 2026
- $255.3M
- Assets vs Q2 2025
- +7.0%
- Tier 1 leverage ratio, Q2 2026
- 9.53%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 074904530
- Holding company
- WAYTRU BANCORP
- Asset rank in state
- 66th of 87 in Indiana
Problem loans are rising at Wayne Bank and Trust Co.. The Richmond, Indiana bank had $255 million in assets at June 30, 2026, up 7.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.49% of loans from 0.16% a year earlier. It holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also funds 9.53% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $653,000, 80% above the same quarter a year earlier. Over the same year, loans grew 8.0% and deposits grew 4.2%. Costs are the weak spot: it spends about 73 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Wayne Bank and Trust Co. reported a return on assets of 1.02%, a nonperforming-loan ratio of 0.49% and a Texas ratio of 4.48%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, Wayne Bank and Trust Co. is the 66th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.4% to $255.3M, loans fell 0.4% and deposits fell 4.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 36.2% of total loans, followed by non-owner-occupied commercial real estate loans at 20.2%. Its 4 offices in the FDIC Summary of Deposits are in Richmond, IN, Cambridge City, IN and Hagerstown, IN; its Richmond 2 offices book 67% of its branch deposits. On its Q2 2026 call report, Wayne Bank and Trust Co. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 500 S A St, Richmond, IN 47374
- County
- Wayne
- Metro Area
- Richmond, IN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1882
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $224.6M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $255.8M
- Average total loans
- $203.4M
- Average interest-bearing deposits
- $188.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1849
- Fed RSSD
- 451246
- Website
- http://www.waynebankonline.com →
- Parent Holding Company
- WAYTRU BANCORP (RSSD 1204533)
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, Wayne Bank and Trust Co. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Wayne Bank and Trust Co.'s total assets moved between a low of $216.2M (Q3 2023) and a high of $258.8M (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
$255.3M total assets against $238.5M; $235.3M total liabilities against $221.3M.
$201.5M net loans and leases against $186.8M; $224.6M total deposits against $215.6M.
$34.8M securities against $36.2M; $5.0M cash and balances due against $4.8M.
$3.5M total interest income against $3.1M; $1.1M total interest expense against $1.0M.
$2.5M net interest income against $2.1M.
$334K total noninterest income against $288K; $2.1M total noninterest expense against $1.9M.
$75K provision for credit losses against $95K.
$653K net income against $363K.
1.02% return on assets against 0.62%; 4.06% net interest margin against 3.62%.
9.53% tier 1 leverage ratio against 9.88%.
Inside the full Wayne Bank and Trust Co. 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 and Trust Co. rankings
Its closest position to the top of a national ranking is 1,453 of 3,640, for Texas Ratio; its furthest is 2,949 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.50% (Q3 2024) to 1.16% (Q1 2026) and its net interest margin ran from 3.31% (Q3 2024) to 4.06% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.53% | 1.02% | 0.49% | 4.48% | 4.06% |
| Q1 2026 | 9.58% | 1.16% | 0.13% | 1.22% | 3.86% |
| Q4 2025 | 9.57% | 0.92% | 0.17% | 1.55% | 3.91% |
| Q3 2025 | 9.67% | 1.03% | 0.17% | 1.60% | 3.80% |
| Q2 2025 | 9.88% | 0.62% | 0.16% | 1.61% | 3.62% |
| Q1 2025 | 10.14% | 0.71% | 0.20% | 1.86% | 3.43% |
| Q4 2024 | 10.07% | 0.65% | 0.15% | 1.42% | 3.41% |
| Q3 2024 | 10.11% | 0.50% | 0.20% | 1.73% | 3.31% |
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Branch Network
View all 4 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 |
|---|---|---|---|
| Wayne Bank and Trust Co. (main office) | Richmond , IN | 47374 | $116.1M |
| Cambridge City Branch | Cambridge City , IN | 47327 | $73.8M |
| Eastside Branch | Richmond , IN | 47374 | $33.4M |
| Hagerstown Branch | Hagerstown , IN | 47346 | $1.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- October 31, 2017, Federal Reserve: Civil Money Penalty: Wayne Bank and Trust Company
- Period: Most recent institution action October 31, 2017. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in IN, rank 91 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $125K approved, $125K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 and Trust Co.
What are Wayne Bank and Trust Co.'s total assets?
As of the Q2 2026 filing, Wayne Bank and Trust Co. reported total assets of $255.3 million in its FFIEC call report.
Where is Wayne Bank and Trust Co. headquartered?
It is headquartered in Richmond, IN, United States.
When was Wayne Bank and Trust Co. founded?
It was established in 1882, per the FDIC institution directory.
Is Wayne Bank and Trust Co. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1849). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wayne Bank and Trust Co.?
Wayne Bank and Trust Co.'s primary federal regulator is the Federal Reserve.
How many branches does Wayne Bank and Trust Co. operate?
It operates 4 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 and Trust Co.'s Texas Ratio?
Its Texas Ratio is 4.48% 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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