BlastPoint

BlastPoint's Banking Scorecard

Wayne Bank and Trust Co.

$100M-$1B Specialty: Commercial IN FDIC cert 1849

Richmond, IN

4 branches across IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 60 in IN.
  • Deposits +4.2% year over year ($224.6M on the books).
  • Delinquency rate 0.50%.
  • Return on assets 1.09%.
  • Efficiency ratio 71.87% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.73% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 60 in IN
View $100M-$1B leaderboard (IN) →

Wayne Bank and Trust Co. has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.06% above tier average
  • + Delinquency Rate 0.42% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 45.4% in tier
  • - Credit Quality Pressure: Bottom 46.3% in tier
  • - Credit Risk Growth: Bottom 47.8% in tier
  • - ROA 0.23% below tier average
  • - Efficiency Ratio 7.39% above tier average
Get updates when Wayne Bank and Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $255.3M
+7.0% YoY -1.4% QoQ
-$131.3M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
38%
Total Loans ? $201.5M
+7.9% YoY -0.5% QoQ
-$56.8M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
48%
Total Deposits ? $224.6M
+4.2% YoY -4.5% QoQ
-$102.1M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
40%
Return on Assets ? 1.09%
+64.2% YoY -5.9% QoQ
-0.23% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
40%
Net Interest Margin ? 4.04%
+12.2% YoY +2.6% QoQ
+0.06% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
56%
Efficiency Ratio ? 71.87%
-10.9% YoY +3.5% QoQ
+7.39% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
26%
Delinquency Rate ? 0.50%
+198.3% YoY +271.2% QoQ
-0.42% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
46%
Loan-to-Deposit Ratio ? 89.73%
+3.6% YoY +4.2% QoQ
+11.78% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
27%
Non-Interest-Bearing Deposit Share ? 16.28%
+2.8% YoY -11.0% QoQ
-5.75% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
29%
Nonperforming Asset Ratio ? 0.39%
+200.7% YoY +274.5% QoQ
-0.28% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
45%
Tier 1 Capital Ratio ? 9.53%
-21.8% YoY -0.6% QoQ
-6.38% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
Bottom 5.2% in tier
Non-Interest Income / Assets ? 0.25%
-0.6% YoY +116.6% QoQ
-0.32% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
62%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Noninterest-Bearing 16.3%
+0.4pp YoY
-2.0pp QoQ
 -5.9pp 22.1% 16.8% 22.2% 28%
Brokered Deposits 5.8%
0.0pp YoY
-0.4pp QoQ
 -2.1pp 7.9% 7.2% 8.5% 58%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 9.2%
+0.4pp YoY
+0.6pp QoQ
 -2.3pp 11.6% 11.1% 12.5% 48%
CRE 49.6%
-2.2pp YoY
-2.4pp QoQ
 +10.0pp 39.5% 36.2% 41.4% 69%
1-4 Family 36.6%
+2.0pp YoY
+1.8pp QoQ
 +4.0pp 32.6% 40.0% 31.3% 65%
Consumer 1.6%
-0.4pp YoY
0.0pp QoQ
 -2.5pp 4.1% 3.2% 5.0% 42%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.5% 19.7% n/a
Leverage Ratio 9.5%
-0.4pp YoY
-0.1pp QoQ
 -2.6pp 12.2% 13.0% 12.6% 22%
Total Capital Ratio n/a n/a 19.9% 18.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 45
+4 (+9.8%) YoY
-6 (-11.8%) QoQ
 -14 58 237 482 47%
Assets per Employee ($) $5.7M
-2.5% YoY
+11.8% QoQ
 -$1.8M $7.5M $7.5M $8.8M 26%
Branch Count 4
+1 (+33.3%) YoY
0 QoQ
 -1 4 17 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days 0.5%
+0.3pp YoY
+0.3pp QoQ
 +0.1pp 0.3% 0.2% 0.4% 81%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 8%
Allowance Coverage 2.35x
-64.5% YoY
-72.1% QoQ
 -21.80x 24.15x 6.71x 20.23x 52%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 35%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 14.0%
+5.0pp YoY
-0.9pp QoQ
 +1.8pp 12.2% 11.2% 11.6% 62%
Cost of Funds (YTD) 1.8%
-0.1pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 56%
Net Income ($, YTD) $1.4M
+80.7% YoY
— QoQ
 -$1.2M $2.6M $16.3M $40.4M 39%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Capital Thin

risk
#301 of 661 • Bottom 45.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.53%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Quality Pressure

risk
#583 of 1256 • Bottom 46.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.50%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#448 of 936 • Bottom 47.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

2506
Tier 1 Capital Ratio
capital
Value: 9.53%
Peer Median: 15.91%
#2506 of 2643 Bottom 5.2% in $100M-$1B
Powered by BlastPoint © 2026