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Wayne Bank

$1B-$10B Specialty: Commercial PA FDIC cert 698

Honesdale, PA

33 branches across PA · NY

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 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
  • Deposits +26.5% year over year ($2.5B on the books).
  • Delinquency rate 1.22%.
  • Return on assets 0.97%.
  • Efficiency ratio 63.31% vs a 59.73% peer average.
  • Loan-to-deposit ratio 88.43% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 37 in PA
View $1B-$10B leaderboard (PA) →

Wayne Bank has 1 strength but faces 3 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

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 32.3% in tier
  • - Margin Compression: Bottom 67.1% in tier
  • - Delinquency Rate 0.36% above tier average
Get updates when Wayne Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $2.9B
+22.8% YoY -0.3% QoQ
+$112.7M $2.8B
-0.6% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
69%
Total Loans ? $2.2B
+26.9% YoY +1.0% QoQ
+$274.0M $2.0B
-0.3% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
72%
Total Deposits ? $2.5B
+26.5% YoY +0.3% QoQ
+$211.0M $2.3B
-0.5% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
71%
Return on Assets ? 0.97%
-9.7% YoY +54.8% QoQ
-0.42% 1.39%
+17.0% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
28%
Net Interest Margin ? 3.93%
+15.7% YoY +4.5% QoQ
+0.06% 3.87%
+6.2% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
64%
Efficiency Ratio ? 63.31%
+9.1% YoY -14.0% QoQ
+3.58% 59.73%
-12.6% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
36%
Delinquency Rate ? 1.22%
+166.4% YoY +162.9% QoQ
+0.36% 0.87%
+11.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
23%
Loan-to-Deposit Ratio ? 88.43%
+0.3% YoY +0.7% QoQ
+3.40% 85.04%
-0.1% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
47%
Non-Interest-Bearing Deposit Share ? 20.39%
-0.1% YoY +5.7% QoQ
-0.88% 21.27%
-1.5% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
53%
Nonperforming Asset Ratio ? 0.97%
+183.1% YoY +154.9% QoQ
+0.29% 0.67%
+11.7% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
23%
Tier 1 Capital Ratio ? 11.09%
-8.4% YoY +0.7% QoQ
-3.75% 14.84%
-0.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
20%
Non-Interest Income / Assets ? 0.18%
-9.1% YoY +86.2% QoQ
-0.35% 0.53%
+2.5% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
26%

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 (PA) National Avg Tier Percentile
Noninterest-Bearing 20.4%
0.0pp YoY
+1.1pp QoQ
 -1.0pp 21.4% 18.7% 22.2% 53%
Brokered Deposits 1.8%
+0.3pp YoY
0.0pp QoQ
 -7.7pp 9.5% 6.8% 8.5% 25%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 10.3%
0.0pp YoY
+0.1pp QoQ
 -3.7pp 14.0% 8.6% 12.5% 45%
CRE 45.2%
+5.0pp YoY
+0.5pp QoQ
 -4.8pp 50.0% 37.9% 41.4% 37%
1-4 Family 24.1%
+0.4pp YoY
-0.1pp QoQ
 -2.3pp 26.4% 47.8% 31.3% 52%
Consumer 15.4%
-3.3pp YoY
+0.2pp QoQ
 +10.7pp 4.7% 3.8% 5.0% 92%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 11.1%
-1.0pp YoY
+0.1pp QoQ
 -4.5pp 15.6% 22.3% 19.7% 11%
Leverage Ratio 8.8%
-0.6pp YoY
+0.1pp QoQ
 -2.5pp 11.3% 13.2% 12.6% 8%
Total Capital Ratio 12.2%
-1.0pp YoY
+0.1pp QoQ
 -4.5pp 16.7% 23.3% 20.8% 12%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 307
+31 (+11.2%) YoY
-3 (-1.0%) QoQ
 -7 313 299 482 66%
Assets per Employee ($) $9.5M
+10.4% YoY
+0.6% QoQ
 -$1.0M $10.5M $9.2M $8.8M 60%
Branch Count 33
+3 (+10.0%) YoY
0 QoQ
 +13 20 20 18 84%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.2% 0.4% n/a
Nonaccrual 1.2%
+0.8pp YoY
+0.8pp QoQ
 +0.4pp 0.8% 0.9% 1.0% 80%
Allowance Coverage 0.94x
-63.7% YoY
-60.4% QoQ
 -17.77x 18.71x 3.63x 20.23x 21%
Net Charge-off Rate (YTD) 0.2%
+0.1pp YoY
+0.1pp QoQ
 -0.1pp 0.3% 0.1% 0.2% 76%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 10.6%
-0.9pp YoY
+3.7pp QoQ
 -2.0pp 12.6% 10.2% 11.6% 38%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.9% 1.8% 1.7% 61%
Net Income ($, YTD) $14.0M
+11.3% YoY
— QoQ
 -$5.2M $19.2M $18.2M $40.4M 57%

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 (2)

Cost Spiral

risk
#11 of 31 • Bottom 32.3% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 63.31%
(Tier: 59.73%, National: 70.05%)
worse than tier avg
31 of 31 Mid-Market banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

Margin Compression

decline
#58 of 85 • Bottom 67.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.97%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

712
Tier 1 Capital Ratio
capital
Value: 11.09%
Peer Median: 14.84%
#712 of 885 Bottom 19.7% in $1B-$10B
683
Delinquency Rate
credit_quality
Value: 1.22%
Peer Median: 0.87%
#683 of 882 Bottom 22.7% in $1B-$10B
684
Nonperforming Asset Ratio
credit_quality
Value: 0.97%
Peer Median: 0.67%
#684 of 885 Bottom 22.8% in $1B-$10B
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