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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Richmond, IN · FDIC certificate #1849
WAYNE BANK&TRUST CO is an FDIC-insured institution based in Richmond, IN (FDIC certificate #1849). In its Q3 2026 Call Report it reported total assets of $257M, total deposits of $222M and net loans of $208M. Its primary federal regulator is FED.
Plain-language readout
WAYNE BANK&TRUST CO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $259M in Q1 2026 and were lowest at $255M in Q2 2026.
Total deposits were highest at $235M in Q1 2026 and lowest at $222M in Q3 2026.
Over the whole period total assets fell 0.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $257M | $222M | $208M | 1.20% | 15.55% | 4.18% |
| Q2 2026 | $255M | $225M | $202M | 1.09% | 14.03% | 4.04% |
| Q1 2026 | $259M | $235M | $203M | 1.16% | 14.96% | 3.94% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $5.0M | $7.8M | -$2.8M | -35.8% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $34.8M | $35.3M | -$471K | -1.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $936K | $290K | +$646K | +222.8% |
| Net loans and leases (after allowance) | $200.6M | $202.2M | -$1.6M | -0.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.9M | $3.5M | +$425K | +12.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| 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) | $907K | $905K | +$2K | +0.2% |
| All other assets | $9.0M | $8.7M | +$298K | +3.4% |
| Total assets | $255.3M | $258.8M | -$3.5M | -1.4% |
| Liabilities | ||||
| Total deposits | $224.6M | $235.1M | -$10.5M | -4.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $9.5M | $2.5M | +$7.0M | +280.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.2M | $1.2M | +$5K | +0.4% |
| Total liabilities | $235.3M | $238.8M | -$3.5M | -1.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $1.0M | $1.0M | $0K | 0.0% |
| Retained earnings | $22.4M | $22.3M | +$20K | +0.1% |
| Accumulated other comprehensive income | -$4.4M | -$4.4M | -$20K | -0.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $20.0M | $20.0M | $0K | 0.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.0M | $271K | +$730K | +269.4% |
| Adjusted nonperforming assets | $1.0M | $271K | +$730K | +269.4% |
| Tangible equity plus allowance | $21.4M | $21.4M | +$67K | +0.3% |
| Texas ratio (gross) | 4.67% | 1.27% | +3.40 pts | See points |
| Texas ratio (adjusted) | 4.67% | 1.27% | +3.40 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.67% | 1.27% | +3.40 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) | 9.53% | 9.58% | -0.05 pts | See points |
| Construction and land loans to total capital | 36.33% | 47.11% | -10.78 pts | See points |
| Commercial real estate to total capital | 222.48% | 241.31% | -18.83 pts | See points |
| Dividend payout, year to date | 75.02% | 55.54% | +19.48 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -17.96% | -17.87% | -0.08 pts | See points |
| Liquidity | ||||
| Core deposits | $202.7M | $208.6M | -$5.9M | -2.8% |
| Non-core funding | $31.4M | $29.0M | +$2.4M | +8.1% |
| Loans to core deposits | 100.13% | 98.05% | +2.08 pts | See points |
| Loans to deposits | 90.36% | 86.98% | +3.39 pts | See points |
| Brokered deposits share of deposits | 5.79% | 6.17% | -0.38 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 26.96% | 25.77% | +1.20 pts | See points |
| Volatile liabilities | $31.4M | $29.0M | +$2.4M | +8.1% |
| Earnings | ||||
| Earnings before provision, year to date | $1.5M | $815K | +$728K | +89.3% |
| Earnings before provision, single quarter | $728K | $815K | -$87K | -10.7% |
| Provision for credit losses, year to date | $150K | $75K | +$75K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.55% | 6.32% | +0.23 pts | See points |
| Yield on interest-bearing balances due from banks | 1.12% | 1.04% | +0.09 pts | See points |
| Total interest income to average assets | 5.54% | 5.43% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.15% | 0.16% | -0.01 pts | See points |
| Cost of savings and money market deposits | 2.12% | 2.12% | +0.01 pts | See points |
| Cost of time deposits | 3.73% | 3.80% | -0.07 pts | See points |
| Total interest expense to average assets | 1.65% | 1.70% | -0.05 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 | $257M | $222M | $208M | 1.20% | 15.55% | 4.18% |
| 2026-06-30 | $255M | $225M | $202M | 1.09% | 14.03% | 4.04% |
| 2026-03-31 | $259M | $235M | $203M | 1.16% | 14.96% | 3.94% |
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 | $215.6M | 0.10% | 90 | 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.