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Bank of Wolcott

Wolcott, IN
IDRSSD: 729842
Total Assets
$268.12M
Latest filing
Total Deposits
$222.09M
Latest filing
Net Interest Margin
3.29%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date10/16/1944
Community BankYes
Ownership TypeNot Mutual
ZIP47995
State and County Number18181
Subchapter S CorporationsYes
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameN/A

Operational Info

Number of Employees29
Domestic Offices3
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance10/16/1944
Primary Insurance AgencyDIF
Websitehttp://www.bankofwolcott.com
Data Updated11/14/2025
CERT16201
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$268.12M
Total Deposits$222.09M
Total Liabilities$241.54M
Total Equity Capital$26.58M
Net Income$1.22M
Net Loans and Leases$137.62M
Assets Per Employee ($Millions)$9.58M
Bank Premises and Fixed Assets$1.35M
Cash and Balances due from Depository Institutions$5.20M
Deposits Held in Domestic Offices$222.09M

Key Performance Ratios

Return on Assets (ROA)1.83%
Return on Equity (ROE)19.78%
Net Interest Margin3.29%
Efficiency Ratio47.69%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets-0.01%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.913%
Earning Assets to total Assets96.64%

Income and Expense

Total Interest Income$3.26M
Total Noninterest Income$203.00k
Total Interest Expense$1.15M
Total Noninterest Expense$1.10M
Net Interest Income$2.11M
Pre-tax Net Operating Income$1.22M
Provision for Credit Losses$-7,000
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$191.00k
Other borrowed funds$15.00M
Federal Funds Sold & Reverse Repurchase Agreement$7.00k
Federal Funds Purchased and Repurchased Agreement$3.00M
All Other Liabilities$1.45M
Total Liabilities and Capital$268.12M

Securities

Securities$118.50M
Available-for-sale debt securities$118.41M
Equity securities with readily determinable fair values not held for trading$0
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?
$268.12M as of the latest filing.
How much are Bank of Wolcott's total deposits?
$222.09M in total deposits.
Where is Bank of Wolcott located?
Wolcott, IN.
What is the Net Interest Margin?
3.29%.
How many domestic offices does it operate?
3.
When was it established?
10/16/1944.
What is the Return on Assets (ROA)?
1.83%.
How much are total loans and leases?
$137.62M (latest filing).
What is the total interest income (latest filing)?
$3.26M.