Bank of Wolcott
Wolcott, IN
IDRSSD: 729842
Total Assets
$274.54M
Latest filing
Total Deposits
$228.38M
Latest filing
Net Interest Margin
3.34%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
074913194WOLCOTT, IN
Key People
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Locations
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Main Office
Bank of Wolcott
105 N Range St
Wolcott, IN 47995
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/16/1944FDIC Certificate 10402
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bank of Wolcott (Main) | 105 N Range St | Wolcott, IN |
| MONTICELLO BRANCH | 116 N 6th St | Monticello, IN |
| REMINGTON BRANCH | 506 N Maine St | Remington, IN |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/16/1944 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 47995 |
| State and County Number | 18181 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 28 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 10/16/1944 |
| Primary Insurance Agency | DIF |
| Website | http://www.bankofwolcott.com |
| Data Updated | 01/30/2026 |
| CERT | 16201 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $274.54M |
| Total Deposits | $228.38M |
| Total Liabilities | $246.33M |
| Total Equity Capital | $28.21M |
| Net Income | $1.07M |
| Net Loans and Leases | $144.51M |
| Assets Per Employee ($Millions) | $9.47M |
| Bank Premises and Fixed Assets | $1.39M |
| Cash and Balances due from Depository Institutions | $5.00M |
| Deposits Held in Domestic Offices | $228.38M |
Key Performance Ratios
| Return on Assets (ROA) | 1.58% |
| Return on Equity (ROE) | 15.68% |
| Net Interest Margin | 3.34% |
| Efficiency Ratio | 51.55% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.276% |
| Earning Assets to total Assets | 96.62% |
Income and Expense
| Total Interest Income | $3.37M |
| Total Noninterest Income | $228.00k |
| Total Interest Expense | $1.18M |
| Total Noninterest Expense | $1.25M |
| Net Interest Income | $2.19M |
| Pre-tax Net Operating Income | $1.14M |
| Provision for Credit Losses | $32.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $187.00k |
| Other borrowed funds | $15.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $19.00k |
| Federal Funds Purchased and Repurchased Agreement | $1.72M |
| All Other Liabilities | $1.23M |
| Total Liabilities and Capital | $274.54M |
Securities
| Securities | $118.14M |
| Available-for-sale debt securities | $118.05M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Wolcott?
$274.54M as of the latest filing.
How much are Bank of Wolcott's total deposits?
$228.38M in total deposits.
Where is Bank of Wolcott located?
Wolcott, IN.
What is the Net Interest Margin?
3.34%.
How many domestic offices does it operate?
3.
When was it established?
10/16/1944.
What is the Return on Assets (ROA)?
1.58%.
How much are total loans and leases?
$144.51M (latest filing).
What is the total interest income (latest filing)?
$3.37M.