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Wayne Bank And Trust Co.
Richmond, IN · FDIC Certificate #1849 · Chartered 01/0
Total assets
$255.29M
Total deposits
$224.59M
Total equity
$19.99M
Net loans
$201.53M
Branches (offices)
4
Net income (YTD)
$1.39M
Rank: #2,685 of 4,213 U.S. banks by assets · #66 of 87 in Indiana. Assets changed 7.0% and deposits 4.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.09% |
| Return on equity | 14.03% |
| Net interest margin (YTD) | 4.04% |
| Equity to assets | 7.83% |
| Tier 1 leverage ratio | 9.53% |
| Uninsured deposits (share of deposits) | 31.1% |
| Noncurrent loans (share of loans) | 0.49% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 89.7% |
| Real estate loans (share of loans) | 88.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $178.45M | 88.5% | |
| Commercial & industrial | $18.57M | 9.2% | |
| Consumer / individual | $3.30M | 1.6% | |
| Construction & development | $9.71M | 4.8% | |
| Agricultural | $591.00K | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $215.29M | $200.08M | $1.13M | $14.70M |
| Jun 2023 | $219.47M | $199.22M | $1.13M | $15.54M |
| Jun 2024 | $222.90M | $199.94M | $432.00K | $16.28M |
| Jun 2025 | $238.52M | $215.57M | $771.00K | $17.22M |
| Jun 2026 | $255.29M | $224.59M | $1.39M | $19.99M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $224.59M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $224.59M.
Similar-sized banks
The Bank Of Monroe ($255.36M) · First Bank & Trust Company ($255.15M)
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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