Bank of Wolcott is a state-chartered bank headquartered in Wolcott, Indiana, in business for about 82 years. At the end of Q2 2026 it reported $280.3M in total assets and $234.2M in deposits, with 3 offices.
Based on its Q2 2026 filing, Bank of Wolcott scores 81/100, which we describe as strong. That is higher than 80% of 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 11th. Its strongest component is problem-loan coverage (95/100; 2.5%), and its lowest is capital cushion (70/100; 12.01%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 81).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 82 |
| Q4 2024 | 81 |
| Q1 2025 | 84 |
| Q2 2025 | 82 |
| Q3 2025 | 81 |
| Q4 2025 | 80 |
| Q1 2026 | 79 |
| Q2 2026 | 81 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.87% |
| Q3 2024 | 12.41% |
| Q4 2024 | 12.31% |
| Q1 2025 | 12.67% |
| Q2 2025 | 12.34% |
| Q3 2025 | 12.26% |
| Q4 2025 | 12.00% |
| Q1 2026 | 12.16% |
| Q2 2026 | 12.01% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.33% |
| Q3 2024 | 0.31% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.14% |
| Q2 2025 | 0.23% |
| Q3 2025 | 0.47% |
| Q4 2025 | 0.44% |
| Q1 2026 | 0.50% |
| Q2 2026 | 0.43% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.51% |
| Q3 2024 | 1.56% |
| Q4 2024 | 1.54% |
| Q1 2025 | 1.56% |
| Q2 2025 | 1.58% |
| Q3 2025 | 1.67% |
| Q4 2025 | 1.65% |
| Q1 2026 | 1.54% |
| Q2 2026 | 1.69% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $280.3M | 12.01% | 0.43% | 1.69% | 60.2% |
| Q1 2026 | 79 | $278.8M | 12.16% | 0.50% | 1.54% | 60.4% |
| Q4 2025 | 80 | $274.6M | 12.00% | 0.44% | 1.65% | 63.3% |
| Q3 2025 | 81 | $268.1M | 12.26% | 0.47% | 1.67% | 62.0% |
| Q2 2025 | 82 | $264.3M | 12.34% | 0.23% | 1.58% | 60.4% |
| Q1 2025 | 84 | $243.9M | 12.67% | 0.14% | 1.56% | 61.9% |
| Q4 2024 | 81 | $245.7M | 12.31% | 0.31% | 1.54% | 65.3% |
| Q3 2024 | 82 | $242.4M | 12.41% | 0.31% | 1.56% | 62.2% |
| Q2 2024 | 80 | $241.3M | 11.87% | 0.33% | 1.51% | 61.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Indiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Logansport Savings BankBank Logansport, IN | 38 out of 100, Low | $276.5M | 10.0% | 2.92% | vs |
| Union Savings and Loan AssociationBank Connersville, IN | 66 out of 100, Moderate | $261.8M | 10.5% | 0.89% | vs |
| Bedford Federal Savings BankBank Bedford, IN | 58 out of 100, Moderate | $303.0M | 10.0% | 1.69% | vs |
| Wayne Bank and Trust Co.Bank Richmond, IN | 64 out of 100, Moderate | $255.3M | 9.5% | 0.49% | vs |
| Farmers and Merchants BankBank Laotto, IN | 71 out of 100, Strong | $306.1M | 9.0% | 0.00% | vs |
| Hendricks County Bank and Trust CompanyBank Brownsburg, IN | 67 out of 100, Moderate | $247.4M | 10.0% | 0.49% | vs |
Deposit insurance
Is my money safe at Bank of Wolcott?
Yes. Bank of Wolcott is an FDIC-insured institution (FDIC certificate #16201). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.2% of deposits ($91.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.01%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Bank of Wolcott lists 3 offices in 3 cities. Most locations:
- Monticello, IN (1)
- Remington, IN (1)
- Wolcott, IN (1)
HMDA 2025
Mortgage lending
In 2025, Bank of Wolcott reported 35 home-loan applications under HMDA (LEI 549300HTZK86GTZ3J496): 31 originated ($5,145,000 total), 0 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Bank of Wolcott
- Type
- State-chartered bank
- FDIC certificate #
- 16201
- RSSD ID
- 729842
- Primary regulator
- FDIC
- Holding company
- Wolcott Bcorp
- Established
- October 16, 1944
- Headquarters
- 105 N Range St, Wolcott, IN 47995
- Website
- www.bankofwolcott.com
- Employees
- 27
Quick answers
Bank of Wolcott: common questions
Is Bank of Wolcott FDIC insured?
Yes. Bank of Wolcott is an FDIC-insured institution (FDIC certificate #16201). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Wolcott's TellerScore?
81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Wolcott ever failed?
There is no failure record for FDIC certificate #16201 in the FDIC failed bank list.
How many branches does Bank of Wolcott have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Wolcott
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alliance BankBank Francesville, IN | 88 out of 100, Very strong | $454.8M | 12.4% | 0.01% | vs |
| Lakes Federal Credit UnionCredit union Monticello, IN | 83 out of 100, Strong | $28.0M | 15.2% | 0.92% | vs |
| Fowler State BankBank Fowler, IN | 80 out of 100, Strong | $190.3M | 15.5% | 0.61% | vs |
| Kentland BankBank Kentland, IN | 75 out of 100, Strong | $419.4M | 12.5% | 0.56% | vs |
| Purdue Federal Credit UnionCredit union West Lafayette, IN | 75 out of 100, Strong | $2.1B | 11.2% | 0.17% | vs |
| Industrial Federal Credit UnionCredit union Lafayette, IN | 71 out of 100, Strong | $356.1M | 9.2% | 0.41% | vs |