Branch Network
Wayne Bank and Trust Co. Locations & Branches Richmond, Indiana
BankRegReports is independent of Wayne Bank and Trust Co. and never asks for online banking logins or passwords.
Wayne Bank and Trust Co. operates 4 branches from its headquarters in Richmond, IN, .
Wayne Bank and Trust Co. branch network
All 4 branches are in INDIANA, across 3 cities. Richmond, IN has the most of its branches, 2. Its largest office by deposits is its main office in Richmond, IN, with $116.1M (51.7% of its branch deposits). On June 30, 2025 it had 3 branches, 1 fewer than in 2026.
Wayne Bank and Trust Co. at a glance
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.
- Total assets, Q2 2026
- $255.3M
- Tier 1 leverage ratio, Q2 2026
- 9.53%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Established
- 1882
Full financial profile · Is Wayne Bank and Trust Co. safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Richmond, IN (2 branches) | 5 of 6 | 7.1% | $149.6M |
| State: IN (4 branches) | 91 of 129 | 0.1% | $224.6M |
Ranked by total assets among banks headquartered in the state: Largest banks in Indiana.
Share by county and metro area
Wayne Bank and Trust Co.'s share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Wayne, IN (4 branches) | 4 of 6 | 12.9% | $224.6M | $1.74B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Richmond, IN (4 branches) | 4 of 6 | 12.9% | $224.6M | $1.74B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 1849) · FFIEC NIC profile (RSSD 451246)