Wayne Bank and Trust Co.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.20 percentage points to 4.06%. Within Indiana, Wayne Bank and Trust Co. is 27th of 87 on net interest margin, 4.06% as of Q2 2026, above the middle of the field. At 4.06%, Wayne Bank and Trust Co.'s net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.76% |
| Yield on loans | 6.51% |
| Yield on securities | 2.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.79% |
| Cost of interest-bearing deposits | 2.08% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | 3.51% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.06% |
| Yield to cost spread | 3.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $988K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.65% | 1.56% | 3.19% | 5.45% | 2.16% |
| Q4 2023 | 4.84% | 1.64% | 3.28% | 5.59% | 2.16% |
| Q1 2024 | 4.89% | 1.88% | 3.17% | 5.74% | 2.15% |
| Q2 2024 | 4.73% | 2.03% | 3.00% | 5.41% | 2.16% |
| Q3 2024 | 5.24% | 2.13% | 3.31% | 6.11% | 2.14% |
| Q4 2024 | 5.28% | 2.02% | 3.41% | 6.12% | 2.16% |
| Q1 2025 | 5.24% | 1.94% | 3.43% | 6.06% | 2.14% |
| Q2 2025 | 5.41% | 1.92% | 3.62% | 6.23% | 2.16% |
| Q3 2025 | 5.63% | 1.96% | 3.80% | 6.49% | 2.09% |
| Q4 2025 | 5.73% | 1.94% | 3.91% | 6.55% | 2.10% |
| Q1 2026 | 5.59% | 1.84% | 3.86% | 6.34% | 2.16% |
| Q2 2026 | 5.76% | 1.79% | 4.06% | 6.51% | 2.17% |
Wayne Bank and Trust Co. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wayne Bank and Trust Co., freeSource: Call Report Schedules RI and RC-K, 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 and Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1849) · FFIEC NIC profile (RSSD 451246)