Wayne Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Wayne Bank. Its balance sheet stood at $2.9 billion at June 30, 2026, up 22.8% from a year earlier; it is based in Honesdale, Pennsylvania. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.21% of loans from 0.45% a year earlier. It funds 8.82% of its assets with Tier 1 capital, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also grew its loan book 26.9% over the year, 4.6 times the median of 5.9% for banks its size.
Earnings jumped: net income for the quarter was $9.5 million, 45% above the same quarter a year earlier. The non-owner-occupied commercial real estate book ($350 million) is worsening: 3.19% of it is past due or on nonaccrual, up from 2.18% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.9% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Wayne Bank reported a CET1 capital ratio of 11.09%, a return on assets of 1.29%, a nonperforming-loan ratio of 1.72% and a Texas ratio of 10.91%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 717 Main St, Honesdale, PA 18431
- County
- Wayne
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1871
- Former names
- Wayne County Bank and Trust Company (1962-1993)
- Offices
- 33 domestic
- Employees (FTE)
- 307
- Domestic deposits
- $2.53B
- Allowance for credit losses
- $25.6M
- Net charge-offs (YTD)
- $1.9M
- Average total assets
- $2.94B
- Average total loans
- $2.25B
- Average interest-bearing deposits
- $2.03B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 698
- Fed RSSD
- 59316
- SEC CIK
- 1013272 → filed by NORWOOD FINANCIAL CORP.
- Website
- Wayne.Bank →
- Parent Holding Company
- NORWOOD FINANCIAL CORP. (RSSD 2365356) · NWFL
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| James O Donnelly | CEO | President & CEO |
| Mccaffery John Martin Jr | CFO | EVP & CFO |
| Janak M Amin | COO | EVP & COO |
| Larry Witt | CIO | EVP & CIO |
| Tracie Young | CRO | EVP & CRO |
| John F Carmody | CCO | EVP & Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Wayne Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Wayne 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 rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.09% | 1.29% | 1.72% | 10.91% | 4.01% |
| Q1 2026 | 11.01% | 0.63% | 0.99% | 4.42% | 3.79% |
| Q4 2025 | 11.04% | 1.27% | 0.55% | 3.42% | 3.62% |
| Q3 2025 | 10.92% | 1.48% | 0.62% | 3.67% | 3.66% |
| Q2 2025 | 12.10% | 1.09% | 0.68% | 3.74% | 3.43% |
| Q1 2025 | 12.03% | 1.03% | 0.76% | 3.77% | 3.23% |
| Q4 2024 | 12.30% | -2.13% | 0.68% | 3.88% | 3.02% |
| Q3 2024 | 11.66% | 0.70% | 0.57% | 4.30% | 2.99% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 33 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cooperstown Branch | Cooperstown , NY | 13326 | $241.3M |
| Wayne Bank (main office) | Honesdale , PA | 18431 | $221.5M |
| Geneva Branch | Geneva , NY | 14456 | $220.9M |
| Walton Off Br | Walton , NY | 13856 | $213.7M |
| Presence Bank Branch | Coatesville , PA | 19320 | $176.7M |
| Milford Branch | Milford , PA | 18337 | $153.5M |
| Hawley Branch | Hawley , PA | 18428 | $111.2M |
| Penn Yan Branch | Penn Yan , NY | 14527 | $96.8M |
| Stamford Branch | Stamford , NY | 12167 | $93.4M |
| New Holland Branch | New Holland , PA | 17557 | $88.3M |
| Oneonta Branch | Oneonta , NY | 13820 | $64.6M |
| Waymart Branch | Waymart , PA | 18472 | $63.2M |
| Central Scranton Office | Scranton , PA | 18503 | $55.8M |
| Monticello Branch | Monticello , NY | 12701 | $51.7M |
| Liberty Branch | Liberty , NY | 12754 | $50.6M |
| Lakewood Branch | Lakewood , PA | 18439 | $49.5M |
| Marshalls Creek Branch | East Stroudsburg , PA | 18302 | $48.9M |
| Roscoe Branch | Roscoe , NY | 12776 | $47.0M |
| Effort Branch | Effort , PA | 18330 | $45.8M |
| Georgetown Road Branch | Christiana , PA | 17509 | $45.6M |
| Oxford Branch | Oxford , PA | 19363 | $43.7M |
| Clarks Summit Branch | Clarks Summit , PA | 18411 | $42.8M |
| Forty Fort, Pennsylvania Branch | Forty Fort , PA | 18704 | $37.8M |
| Stroud Mall Branch | Stroudsburg , PA | 18360 | $35.9M |
| Callicoon Branch | Callicoon , NY | 12723 | $33.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 5, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 5, 2026 | Structure Change | Acquired Presence Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 7, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 7, 2020 | Structure Change | Acquired USNY Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2016 | Structure Change | Acquired The National Bank of Delaware County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2011 | Structure Change | Acquired North Penn Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Wayne Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in PA, rank 47 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 939 applications, 549 loans originated, $116.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 13 loans, $10.0M approved, $772K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Wayne Bank
What are Wayne Bank's total assets?
As of the Q2 2026 filing, Wayne Bank reported total assets of $2.91 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Wayne Bank headquartered?
Wayne Bank is headquartered in Honesdale, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Wayne Bank founded?
Wayne Bank was established in 1871, per the FDIC institution directory.
Is Wayne Bank FDIC-insured?
Yes. Wayne Bank is an FDIC-insured commercial bank (FDIC Certificate #698). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wayne Bank?
Wayne Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Wayne Bank's CET1 capital ratio?
Wayne Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.09% in its Q2 2026 call report, above regulatory requirements.
How many branches does Wayne Bank operate?
Wayne Bank operates 33 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's Texas Ratio?
Wayne Bank's Texas Ratio is 10.91% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Wayne Bank previously called?
The charter now named Wayne Bank has also operated as Wayne County Bank and Trust Company (1962-1993), per FDIC structure-change records.
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