Wayne Bank: how it compares with its peers
Against 22 PA banks with half to twice its assets, Wayne Bank's strongest measure in Q2 2026 is assets per employee ($9.5M vs. a $8.0M peer median). Its weakest relative measure is return on assets (0.97% vs. 1.15%).
| Measure | Wayne Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.97% | 1.15% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.93% | 3.71% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.31% | 59.58% | Middle third Ahead of 41% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.5M | $8.0M | Top third Ahead of 82% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.43% | 85.10% | Context |
What it means for lending operations
Its efficiency ratio of 63.31% is above the 59.58% 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
- NEXTIER BANK, NATIONAL ASSOCIATION Kittanning, PA · $2.93B
- The Fidelity Deposit and Discount Bank Dunmore, PA · $2.97B
- Penn Community Bank Doylestown, PA · $3.07B
- Citizens & Northern Bank Wellsboro, PA · $3.14B
- First Citizens Community Bank Mansfield, PA · $3.19B
- Meridian Bank Wayne, PA · $2.59B
Questions about Wayne Bank
How big is Wayne Bank?
Wayne Bank, established in 1871, is headquartered in Honesdale, PA. It reported $2.91B in total assets in its Q2 2026 FDIC call report and operates 33 offices.
What is Wayne Bank's return on assets?
0.97% annualized in Q2 2026, against a 1.15% median for 22 PA banks with half to twice its assets, ahead of 36% of them.
What is Wayne Bank's efficiency ratio?
63.31% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 59.58%, and lower is better.
Is Wayne Bank growing its loans?
Net loans grew 26.9% over the year to Q2 2026, while deposits grew 26.5%.
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 PA 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 Pennsylvania bank ranked.