Headquartered in Richmond, Indiana, Wayne Bank and Trust Co. is a state-chartered bank (fed member) with $255.3M in total assets and $224.6M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1882.
Based on its Q2 2026 filing, Wayne Bank and Trust Co. scores 64/100, which we describe as moderate. That is higher than only 26% of 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 53rd. Its strongest component is problem-loan coverage (91/100; 4.5%), and its lowest is capital cushion (45/100; 9.53%).
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
From Q2 2025 to Q2 2026, the score fell 2 points (66 → 64), mostly because the earnings component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 65 |
| Q4 2024 | 66 |
| Q1 2025 | 68 |
| Q2 2025 | 66 |
| Q3 2025 | 66 |
| Q4 2025 | 66 |
| Q1 2026 | 69 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.21% |
| Q3 2024 | 10.11% |
| Q4 2024 | 10.07% |
| Q1 2025 | 10.14% |
| Q2 2025 | 9.88% |
| Q3 2025 | 9.67% |
| Q4 2025 | 9.57% |
| Q1 2026 | 9.58% |
| Q2 2026 | 9.53% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.15% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.16% |
| Q3 2025 | 0.17% |
| Q4 2025 | 0.17% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.49% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.43% |
| Q4 2024 | 0.48% |
| Q1 2025 | 0.71% |
| Q2 2025 | 0.67% |
| Q3 2025 | 0.79% |
| Q4 2025 | 0.83% |
| Q1 2026 | 1.16% |
| Q2 2026 | 1.09% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $255.3M | 9.53% | 0.49% | 1.09% | 89.7% |
| Q1 2026 | 69 | $258.8M | 9.58% | 0.13% | 1.16% | 86.1% |
| Q4 2025 | 66 | $251.1M | 9.57% | 0.17% | 0.83% | 88.7% |
| Q3 2025 | 66 | $247.3M | 9.67% | 0.17% | 0.79% | 86.3% |
| Q2 2025 | 66 | $238.5M | 9.88% | 0.16% | 0.67% | 86.6% |
| Q1 2025 | 68 | $229.6M | 10.14% | 0.20% | 0.71% | 84.6% |
| Q4 2024 | 66 | $227.5M | 10.07% | 0.15% | 0.48% | 82.4% |
| Q3 2024 | 65 | $227.1M | 10.11% | 0.20% | 0.43% | 82.5% |
| Q2 2024 | 64 | $222.9M | 10.21% | 0.32% | 0.39% | 84.5% |
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 |
|---|---|---|---|---|---|
| Union Savings and Loan AssociationBank Connersville, IN | 66 out of 100, Moderate | $261.8M | 10.5% | 0.89% | vs |
| Hendricks County Bank and Trust CompanyBank Brownsburg, IN | 67 out of 100, Moderate | $247.4M | 10.0% | 0.49% | vs |
| Peoples Trust and Savings BankBank Boonville, IN | 53 out of 100, Below average | $240.6M | 13.0% | 2.09% | vs |
| Logansport Savings BankBank Logansport, IN | 38 out of 100, Low | $276.5M | 10.0% | 2.92% | vs |
| Bank of WolcottBank Wolcott, IN | 81 out of 100, Strong | $280.3M | 12.0% | 0.43% | vs |
| The Farmers and Merchants BankBank Boswell, IN | 68 out of 100, Moderate | $213.4M | 9.1% | 0.01% | vs |
Deposit insurance
Is my money safe at Wayne Bank and Trust Co.?
Yes. Wayne Bank and Trust Co. is an FDIC-insured institution (FDIC certificate #1849). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.1% of deposits ($69.8M) 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 9.53%, 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%).
4 locations
Branches
Wayne Bank and Trust Co. lists 4 offices in 3 cities. Most locations:
- Richmond, IN (2)
- Cambridge City, IN (1)
- Hagerstown, IN (1)
Identity & history
Profile
- Legal name
- Wayne Bank and Trust Co.
- Former names
- The Wayne Trust Company
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 1849
- RSSD ID
- 451246
- Primary regulator
- FED
- Holding company
- Waytru Bcorp
- Established
- January 1, 1882
- Headquarters
- 500 S A St, Richmond, IN 47374
- Website
- www.waynebankonline.com
- Employees
- 45
Quick answers
Wayne Bank and Trust Co.: common questions
Is Wayne Bank and Trust Co. FDIC insured?
Yes. Wayne Bank and Trust Co. is an FDIC-insured institution (FDIC certificate #1849). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Wayne Bank and Trust Co.'s TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Wayne Bank and Trust Co. ever failed?
There is no failure record for FDIC certificate #1849 in the FDIC failed bank list.
How many branches does Wayne Bank and Trust Co. have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Richmond
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Health Care Professionals Federal Credit UnionCredit union Richmond, IN | 96 out of 100, Very strong | $41.6M | 18.6% | 0.00% | vs |
| Members Choice Credit UnionCredit union Greenville, OH | 92 out of 100, Very strong | $38.9M | 17.9% | 0.44% | vs |
| Wayne County Federal Credit UnionCredit union Richmond, IN | 89 out of 100, Very strong | $13.5M | 14.3% | 0.00% | vs |
| Greenville National BankBank Greenville, OH | 86 out of 100, Very strong | $641.5M | 13.0% | 0.05% | vs |
| Natco Credit UnionCredit union Richmond, IN | 80 out of 100, Strong | $153.7M | 17.3% | 1.18% | vs |
| The Brookville Building and Savings AssociationBank Brookville, OH | 79 out of 100, Strong | $41.2M | 20.0% | 0.00% | vs |