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Wayne Bank
Honesdale, PA · FDIC Certificate #698 · Chartered 01/0
Total assets
$2.91B
Total deposits
$2.53B
Total equity
$271.61M
Net loans
$2.24B
Branches (offices)
33
Net income (YTD)
$14.02M
Rank: #439 of 4,213 U.S. banks by assets · #22 of 109 in Pennsylvania. Assets changed 22.8% and deposits 26.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.97% |
| Return on equity | 10.55% |
| Net interest margin (YTD) | 3.93% |
| Equity to assets | 9.35% |
| Tier 1 leverage ratio | 8.82% |
| Uninsured deposits (share of deposits) | 37.0% |
| Noncurrent loans (share of loans) | 1.21% |
| Net charge-offs (share of loans) | 0.17% |
| Loans to deposits | 88.4% |
| Real estate loans (share of loans) | 72.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.62B | 72.3% | |
| Commercial & industrial | $229.66M | 10.3% | |
| Consumer / individual | $345.26M | 15.4% | |
| Construction & development | $130.49M | 5.8% | |
| Agricultural | $22.33M | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.07B | $1.80B | $14.37M | $170.49M |
| Jun 2023 | $2.14B | $1.73B | $12.49M | $173.31M |
| Jun 2024 | $2.24B | $1.81B | $9.11M | $182.46M |
| Jun 2025 | $2.37B | $2.00B | $12.60M | $225.02M |
| Jun 2026 | $2.91B | $2.53B | $14.02M | $271.61M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $1.31B | 19 |
| New York | $1.22B | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.53B.
Similar-sized banks
Nextier Bank, National Association ($2.93B) · Cedar Rapids Bank And Trust Company ($2.90B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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