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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Wolcott, IN · FDIC certificate #16201
BANK OF WOLCOTT is an FDIC-insured institution based in Wolcott, IN (FDIC certificate #16201). In its Q3 2026 Call Report it reported total assets of $282M, total deposits of $234M and net loans of $143M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF WOLCOTT has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $282M in Q3 2026 and were lowest at $279M in Q1 2026.
Total deposits were highest at $234M in Q3 2026 and lowest at $234M in Q1 2026.
Over the whole period total assets rose 1.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $282M | $234M | $143M | 1.75% | 17.39% | 3.40% |
| Q2 2026 | $280M | $234M | $141M | 1.69% | 16.23% | 3.34% |
| Q1 2026 | $279M | $234M | $141M | 1.54% | 14.89% | 3.24% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $4.9M | $5.6M | -$738K | -13.1% |
| Federal funds sold | $1.5M | $8.5M | -$7.0M | -82.2% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $126.2M | $117.2M | +$9.1M | +7.7% |
| Equity securities with readily determinable fair values, not held for trading | $92K | $69K | +$23K | +33.3% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $141.1M | $141.3M | -$185K | -0.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.4M | $1.4M | -$14K | -1.0% |
| Other real estate owned | $186K | $186K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $4.9M | $4.6M | +$297K | +6.4% |
| Total assets | $280.3M | $278.8M | +$1.4M | +0.5% |
| Liabilities | ||||
| Total deposits | $234.2M | $233.7M | +$466K | +0.2% |
| Federal funds purchased | $152K | $0K | +$152K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $15.0M | $15.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.4M | $1.2M | +$232K | +20.1% |
| Total liabilities | $250.7M | $249.9M | +$850K | +0.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $3.3M | $3.3M | $0K | 0.0% |
| Retained earnings | $31.4M | $30.5M | +$922K | +3.0% |
| Accumulated other comprehensive income | -$5.3M | -$4.9M | -$336K | -6.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $29.5M | $28.9M | +$586K | +2.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $803K | $908K | -$105K | -11.6% |
| Adjusted nonperforming assets | $803K | $908K | -$105K | -11.6% |
| Tangible equity plus allowance | $31.8M | $31.3M | +$589K | +1.9% |
| Texas ratio (gross) | 2.52% | 2.91% | -0.38 pts | See points |
| Texas ratio (adjusted) | 2.52% | 2.91% | -0.38 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.52% | 2.91% | -0.38 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.01% | 12.16% | -0.15 pts | See points |
| Construction and land loans to total capital | 0.30% | 0.00% | +0.30 pts | See points |
| Commercial real estate to total capital | 35.41% | 44.38% | -8.97 pts | See points |
| Dividend payout, year to date | 30.70% | 33.83% | -3.13 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -15.24% | -14.73% | -0.51 pts | See points |
| Liquidity | ||||
| Core deposits | $216.8M | $216.9M | -$81K | -0.0% |
| Non-core funding | $32.6M | $31.9M | +$699K | +2.2% |
| Loans to core deposits | 66.14% | 66.20% | -0.06 pts | See points |
| Loans to deposits | 61.22% | 61.42% | -0.20 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 6.47% | 7.01% | -0.53 pts | See points |
| Loans pledged, share of loans | 13.48% | 13.45% | +0.04 pts | See points |
| Volatile liabilities | $32.6M | $31.9M | +$699K | +2.2% |
| Earnings | ||||
| Earnings before provision, year to date | $2.3M | $1.1M | +$1.3M | +116.8% |
| Earnings before provision, single quarter | $1.3M | $1.1M | +$181K | +16.8% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.53% | 6.28% | +0.25 pts | See points |
| Yield on interest-bearing balances due from banks | 4.75% | 4.56% | +0.19 pts | See points |
| Total interest income to average assets | 4.88% | 4.74% | +0.14 pts | See points |
| Cost of interest-bearing transaction accounts | 2.07% | 1.87% | +0.20 pts | See points |
| Cost of savings and money market deposits | 1.59% | 1.58% | +0.01 pts | See points |
| Cost of time deposits | 3.47% | 3.53% | -0.07 pts | See points |
| Total interest expense to average assets | 1.67% | 1.63% | +0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $282M | $234M | $143M | 1.75% | 17.39% | 3.40% |
| 2026-06-30 | $280M | $234M | $141M | 1.69% | 16.23% | 3.34% |
| 2026-03-31 | $279M | $234M | $141M | 1.54% | 14.89% | 3.24% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IN | $225.4M | 0.11% | 87 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.