Wayne Bank and Trust Co.: how it compares with its peers
Against 38 IN banks with half to twice its assets, Wayne Bank and Trust Co.'s strongest measure in Q2 2026 is net interest margin (4.04% vs. a 3.67% peer median). Its weakest relative measure is efficiency ratio (71.87% vs. 66.27%).
| Measure | Wayne Bank and Trust Co. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.09% | 1.05% | Middle third Ahead of 55% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.04% | 3.67% | Top third Ahead of 68% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.87% | 66.27% | Middle third Ahead of 34% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $6.3M | Middle third Ahead of 34% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.73% | 80.20% | Context |
What it means for lending operations
Its efficiency ratio of 71.87% is above the 66.27% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Union Savings and Loan Association Connersville, IN · $262M
- Hendricks County Bank and Trust Company Brownsburg, IN · $247M
- Peoples Trust and Savings Bank Boonville, IN · $241M
- Logansport Savings Bank Logansport, IN · $277M
- Bank of Wolcott Wolcott, IN · $280M
- The Farmers and Merchants Bank Boswell, IN · $213M
Questions about Wayne Bank and Trust Co.
How big is Wayne Bank and Trust Co.?
Wayne Bank and Trust Co., established in 1882, is headquartered in Richmond, IN. It reported $255M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Wayne Bank and Trust Co.'s return on assets?
1.09% annualized in Q2 2026, against a 1.05% median for 38 IN banks with half to twice its assets, ahead of 55% of them.
What is Wayne Bank and Trust Co.'s efficiency ratio?
71.87% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 66.27%, and lower is better.
Is Wayne Bank and Trust Co. growing its loans?
Net loans grew 7.9% over the year to Q2 2026, while deposits grew 4.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.