BlastPoint's Banking Scorecard
Wayne Bank
Honesdale, PA
33 branches across PA · NY
Wayne Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.42% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 17.5% in tier
- - Cost Spiral: Bottom 90.3% in tier
- - ROA 0.74% below tier average
- - Net Interest Margin 0.06% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+22.6% YoY
+20.2% QoQ
|
+$99.8M |
$2.8B
-0.1% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
69% |
| Total Loans ? |
$2.2B
+27.0% YoY
+21.3% QoQ
|
+$249.5M |
$2.0B
+0.6% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
72% |
| Total Deposits ? |
$2.5B
+25.7% YoY
+19.8% QoQ
|
+$179.2M |
$2.3B
-0.3% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
70% |
| Return on Assets ? |
0.62%
-39.6% YoY
-49.3% QoQ
|
-0.74% |
1.37%
+19.6% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 13.5% in tier |
| Net Interest Margin ? |
3.76%
+14.1% YoY
+5.7% QoQ
|
-0.06% |
3.82%
+6.9% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
57% |
| Efficiency Ratio ? |
73.58%
+25.7% YoY
+30.1% QoQ
|
+12.52% |
61.06%
-4.6% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
17% |
| Delinquency Rate ? |
0.47%
+2.0% YoY
+34.0% QoQ
|
-0.42% |
0.89%
+14.1% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
87.78%
+1.0% YoY
+1.2% QoQ
|
+3.58% |
84.20%
+0.3% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
19.29%
-1.6% YoY
-9.0% QoQ
|
-2.00% |
21.29%
-2.5% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.38%
+13.5% YoY
+29.6% QoQ
|
-0.29% |
0.67%
+15.6% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
56% |
| Tier 1 Capital Ratio ? |
11.01%
-8.5% YoY
-0.3% QoQ
|
-4.15% |
15.16%
+2.0% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.10%
-4.1% YoY
-76.5% QoQ
|
-0.16% |
0.26%
+1.6% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
30% |
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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 (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.