Wayne Bank and Trust Co.
Richmond, IN
IDRSSD: 451246
Total Assets
$247.26M
Latest filing
Total Deposits
$225.00M
Latest filing
Net Interest Margin
3.90%
Profitability
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 11/14/2025Established 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 | 41 |
| 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 | 11/14/2025 |
| CERT | 1849 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $247.26M |
| Total Deposits | $225.00M |
| Total Liabilities | $228.70M |
| Total Equity Capital | $18.57M |
| Net Income | $627.00k |
| Net Loans and Leases | $194.08M |
| Assets Per Employee ($Millions) | $5.26M |
| Bank Premises and Fixed Assets | $2.24M |
| Cash and Balances due from Depository Institutions | $4.56M |
| Deposits Held in Domestic Offices | $225.00M |
Key Performance Ratios
| Return on Assets (ROA) | 1.03% |
| Return on Equity (ROE) | 14.02% |
| Net Interest Margin | 3.9% |
| Efficiency Ratio | 73.03% |
| Tier 1 Risk-Based Capital Ratio | 11.913% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.509% |
| Earning Assets to total Assets | 94.58% |
Income and Expense
| Total Interest Income | $3.34M |
| Total Noninterest Income | $304.00k |
| Total Interest Expense | $1.09M |
| Total Noninterest Expense | $1.86M |
| Net Interest Income | $2.24M |
| Pre-tax Net Operating Income | $627.00k |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $2.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.20M |
| Total Liabilities and Capital | $247.26M |
Securities
| Securities | $36.78M |
| Available-for-sale debt securities | $36.78M |
| 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 Wayne Bank and Trust Co.?
$247.26M as of the latest filing.
How much are Wayne Bank and Trust Co.'s total deposits?
$225.00M in total deposits.
Where is Wayne Bank and Trust Co. located?
Richmond, IN.
What is the Net Interest Margin?
3.90%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1882.
What is the Return on Assets (ROA)?
1.03%.
How much are total loans and leases?
$194.08M (latest filing).
What is the total interest income (latest filing)?
$3.34M.