BlastPoint's Banking Scorecard

Wayne Bank and Trust Co.

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

Richmond, IN

4 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN

Wayne Bank and Trust Co. has 1 strength but faces 2 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

+ Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

- ROA 0.11% below tier average
- Efficiency Ratio 4.13% above tier average

Get updates when Wayne Bank and Trust Co. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$258.8M +12.7% YoY +3.1% QoQ	-$127.3M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	39%
Total Loans ?	$202.5M +13.7% YoY +2.6% QoQ	-$53.2M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	49%
Total Deposits ?	$235.1M +11.6% YoY +5.7% QoQ	-$92.8M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	42%
Return on Assets ?	1.16% +62.6% YoY +40.5% QoQ	-0.11%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	47%
Net Interest Margin ?	3.94% +12.2% YoY +3.9% QoQ	+0.01%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	53%
Efficiency Ratio ?	69.42% -14.1% YoY -9.6% QoQ	+4.13%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	34%
Delinquency Rate ?	0.13% -33.8% YoY -21.8% QoQ	-0.75%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	70%
Loan-to-Deposit Ratio ?	86.13% +1.8% YoY -2.9% QoQ	+9.49%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	32%
Non-Interest-Bearing Deposit Share ?	18.29% +8.5% YoY +20.9% QoQ	-3.73%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	37%
Nonperforming Asset Ratio ?	0.10% -33.2% YoY -22.2% QoQ	-0.53%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	70%
Tier 1 Capital Ratio ?	9.58% -25.1% YoY -20.0% QoQ	-6.25%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	Bottom 5.4% in tier
Non-Interest Income / Assets ?	0.11% -13.6% YoY -74.2% QoQ	-0.17%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	60%

Get Full Access to Wayne Bank and Trust Co.

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

2522

Tier 1 Capital Ratio

capital

Value: 9.58%

Peer Median: 15.83%

#2522 of 2664 Bottom 5.4% in $100M-$1B