Wayne Bank and Trust Co.

BankRichmond, Indiana
http://www.waynebankonline.com

Total Assets

$251.1M

Total Deposits

$222.5M

Branches

3

Established

1882

TFS Health Grade

$
C

73.3 / 100

Average financial health

How we grade

Wayne Bank and Trust Co. is a bank headquartered in Richmond, Indiana, established in 1882. With $251.1M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C (73.3/100).

Capital & Safety

Tier 1 Capital Ratio
9.57%(8%)
Total Capital Ratio
13.13%(10%)
Non-Performing Loan Ratio
0.17%

Profitability

Return on Assets (ROA)
0.83%(1%)
Return on Equity (ROE)
11.02%(10%)
Net Interest Margin
3.79%
Efficiency Ratio
76.77%(60%)

Lending & Liquidity

Total Loans
$199.7M
Loan-to-Deposit Ratio
88.72%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+10.37%
Deposit Growth (YoY)
+6.25%
Net Income
$2.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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