Wayne Bank and Trust Co.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Wayne Bank and Trust Co. of Richmond, IN against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.02% | 1.34% | -0.32% | 34th below |
| ROAE Behind the peer average, ahead of the median peer. | 13.07% | 13.32% | -0.25% | 54th above |
| Net Interest Margin | 4.06% | 3.93% | +0.13% | 56th above |
| Efficiency Ratio | 73.06% | 61.13% | +11.93% | 22nd bottom |
| PPNR / Avg Assets | 1.14% | 1.68% | -0.54% | 26th below |
| Yield on Earning Assets | 5.76% | 5.67% | +0.09% | 57th above |
| Cost of Funds | 1.79% | 1.88% | -0.09% | 51st above |
| Net Interest Spread | 3.61% | 3.32% | +0.29% | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.94% | -0.91% | 81st top |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 81st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 39th below |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 45th below |
| ACL / NPLs (Coverage) | 3365.71% | 1545.63% | +1820.08% | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.48% | 7.34% | -2.86% | 44th below |
| Provision / NCO | 5000.00% | 1393.51% | +3606.49% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.53% | 12.14% | -2.61% | 22nd bottom |
| Equity / Assets | 7.83% | 11.37% | -3.54% | 12th bottom |
| TCE / Tangible Assets | 7.83% | 11.08% | -3.25% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.78% | 80.66% | +10.12% | 27th below |
| Core Deposit Ratio | 90.25% | 86.85% | +3.40% | 56th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.72% | 5.04% | -1.32% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.03% | 6.84% | +0.19% | 69th above |
| Loan Growth (Y/Y) | 7.98% | 7.92% | +0.06% | 65th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.19% | 6.29% | -2.10% | 51st above |
See Wayne Bank and Trust Co.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Wayne Bank and Trust Co., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Wayne Bank and Trust Co. profile, how to read a UBPR, or how this data updates.