Wayne Bank and Trust Co.
Richmond, IN
IDRSSD: 451246
Total Assets
$251.10M
Latest filing
Total Deposits
$222.55M
Latest filing
Net Interest Margin
4.03%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Wayne Bank and Trust Co.
500 S A St
Richmond, IN 47374
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1882FDIC Certificate 1231
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Wayne Bank and Trust Co. (Main) | 500 S A St | Richmond, IN |
| EASTSIDE BRANCH | 101 Garwood Road | Richmond, IN |
| CAMBRIDGE CITY BRANCH | 145 West Main Street | Cambridge City, 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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1882 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 47374 |
| State and County Number | 18177 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Richmond, IN |
Operational Info
| Number of Employees | 47 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/27/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.waynebankonline.com |
| Data Updated | 01/30/2026 |
| CERT | 1849 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $251.10M |
| Total Deposits | $222.55M |
| Total Liabilities | $231.51M |
| Total Equity Capital | $19.58M |
| Net Income | $575.00k |
| Net Loans and Leases | $197.44M |
| Assets Per Employee ($Millions) | $5.02M |
| Bank Premises and Fixed Assets | $3.05M |
| Cash and Balances due from Depository Institutions | $4.07M |
| Deposits Held in Domestic Offices | $222.55M |
Key Performance Ratios
| Return on Assets (ROA) | 0.92% |
| Return on Equity (ROE) | 12.06% |
| Net Interest Margin | 4.03% |
| Efficiency Ratio | 73.66% |
| Tier 1 Risk-Based Capital Ratio | 11.978% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.799% |
| Earning Assets to total Assets | 94.35% |
Income and Expense
| Total Interest Income | $3.49M |
| Total Noninterest Income | $210.00k |
| Total Interest Expense | $1.12M |
| Total Noninterest Expense | $1.90M |
| Net Interest Income | $2.37M |
| Pre-tax Net Operating Income | $575.00k |
| Provision for Credit Losses | $105.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $7.69M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.27M |
| Total Liabilities and Capital | $251.10M |
Securities
| Securities | $36.77M |
| Available-for-sale debt securities | $36.77M |
| 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 Wayne Bank and Trust Co.?
$251.10M as of the latest filing.
How much are Wayne Bank and Trust Co.'s total deposits?
$222.55M in total deposits.
Where is Wayne Bank and Trust Co. located?
Richmond, IN.
What is the Net Interest Margin?
4.03%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1882.
What is the Return on Assets (ROA)?
0.92%.
How much are total loans and leases?
$197.44M (latest filing).
What is the total interest income (latest filing)?
$3.49M.