Wayne Bank

FDIC-insured bank with its head office in Honesdale, Pennsylvania, established in 1871 according to the FDIC.

Wayne Bank reported total assets of $2.9 bn at Q2 2026, up 22.8% on a year earlier, the 433rd largest of 497 banks in our US coverage. The CET1 capital ratio at Wayne Bank was 11.09%, and the uninsured share of Wayne Bank was 37.03%. Source: FDIC Call Reports.

Key takeaways

  • On noncurrent loans to total loans, Wayne Bank slipped from 216th to 396th among 500 US banks between and (1 = lowest; FDIC Call Reports).
  • Since , Wayne Bank has taken over 3 institutions; the latest was Presence Bank on (FDIC Call Reports).
  • Wayne Bank reports one of the lowest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 8.82% at , where the median of the 339 banks is 10.45% (FDIC Call Reports).
Total assets
$2.9 bn
+22.8% on a year earlier
Rank 433 of 497 1 = highest
CET1 capital ratio
11.09%
-1.01 pp on a year earlier
Rank 404 of 448 1 = highest
Return on equity
10.55%
-0.94 pp on a year earlier
Rank 322 of 500 1 = highest
Uninsured share of deposits
37.03%
-0.91 pp on a year earlier
Rank 229 of 500 1 = highest

What sets Wayne Bank apart

How large is Wayne Bank?

The balance sheet of Wayne Bank at : assets $2.9 bn, deposits $2.5 bn, net loans $2.2 bn (loans equal to 88.43% of deposits). Securities make up 15.1% of total assets at Wayne Bank. Since , when Wayne Bank held $758.9 mn, its assets grew 282.9%. In the year to , deposits at Wayne Bank rose 26.5% while its total assets rose 22.8%. At , Wayne Bank employed 307 full-time equivalent staff across 33 offices, about $9.5 mn of assets per employee and $76.7 mn of deposits per office.

How much funding at Wayne Bank is uninsured?

At Wayne Bank, uninsured deposits (above the FDIC limit) made up 37.03% of domestic deposits at (-0.91 pp on a year earlier); Wayne Bank ranks 229th of 500 on this measure. In dollars, Wayne Bank estimated $936.8 mn of uninsured deposits.

Key facts, Q2 2026

MetricValueChange from a year earlierUS rank
Total deposits$2.5 bn+26.5%415th of 499
Net loans and leases$2.2 bn+26.9%401st of 500
Loan-to-deposit ratio88.43%+0.27 pp225th of 500
Tier 1 leverage ratio8.82%-0.57 pp448th of 500
Total risk-based capital ratio12.22%-1.02 pp398th of 448
Net interest margin3.93%+0.53 pp163rd of 500
Return on assets (ROA)0.97%-0.10 pp400th of 500
Efficiency ratio63.31%+5.30 pp372nd of 500 (1 = lowest)
Unrealized gain/loss on available-for-sale securitiesLoss of $31.8 mnNarrowed by $3.6 mn
Noncurrent loans to total loans1.21%+0.76 pp396th of 500 (1 = lowest)
Net charge-offs to average loans0.17%+0.09 pp318th of 500 (1 = lowest)

US rank of Wayne Bank: 1 = highest unless marked 1 = lowest.

Balance sheet

Wayne Bank: assets, deposits and loans

USD bn
Total assets, deposits and net loans of Wayne Bank each quarter; total assets were $2.9 bn at Q2 2026$417mn$1.1bn$1.7bn$2.4bn$3.1bn20182020202220242026The National Bank of Delaware County merged inUSNY Bank merged inPresence Bank merged inTotal assets$2.9bnDeposits$2.5bnNet loans$2.2bnTotal assets, deposits and net loans of Wayne Bank each quarter; total assets were $2.9 bn at Q2 2026$417mn$1.3bn$2.2bn$3.1bn20202024
  • Total assets $2.9bn
  • Deposits $2.5bn
  • Net loans $2.2bn
to . FDIC Call Reports.

Capital and securities

The CET1 ratio of Wayne Bank stood at 11.09% in , -1.01 pp year on year. Low and high at Wayne Bank since : 10.92% () to 14.97% (). Equity capital of Wayne Bank at : $271.6 mn, or 9.3% of total assets. Wayne Bank also reported a total capital ratio of 12.22% for , and a tier 1 leverage ratio of 8.82%.

The available-for-sale portfolio of Wayne Bank showed an unrealized loss of $31.8 mn at ; the loss narrowed by $3.6 mn over the year.

Wayne Bank: capital ratios

Percent
CET1, total risk-based capital and tier 1 leverage ratios of Wayne Bank, Q1 2016 to Q2 20268.0%10%12%15%17%20182020202220242026Total capital12%CET111%Tier 1 leverage8.8%CET1, total risk-based capital and tier 1 leverage ratios of Wayne Bank, Q1 2016 to Q2 20268.0%11%14%17%20202024
  • Total capital 12%
  • CET1 11%
  • Tier 1 leverage 8.8%
to . FDIC Call Reports.

Wayne Bank: unrealized securities gains and losses

USD bn
Unrealized gains and losses on available-for-sale and held-to-maturity securities of Wayne Bank, Q1 2016 to Q2 2026-$88mn-$64mn-$39mn-$14mn$10mn20182020202220242026Held to maturity$0Available for sale-$32mnUnrealized gains and losses on available-for-sale and held-to-maturity securities of Wayne Bank, Q1 2016 to Q2 2026-$88mn-$55mn-$22mn$10mn20202024
  • Available for sale -$32mn
  • Held to maturity $0
to . FDIC Call Reports.

Profitability and loan quality

For the year to , Wayne Bank earned a return on equity of 10.55%; return on assets: 0.97%. Net interest margin at Wayne Bank: 3.93%, +0.53 pp in a year. Wayne Bank net income: $14.0 mn, up 11.3% year on year. The efficiency ratio of Wayne Bank was 63.31%: about 63 cents cost per revenue dollar, against 49 cents at the median peer.

At , noncurrent loans were 1.21% of total loans at Wayne Bank; net charge-offs: 0.17% of average loans. Gross loans and leases at Wayne Bank: $2.3 bn, up 26.9% in a year.

Wayne Bank: profitability

Percent, annualized
Return on equity, net interest margin and return on assets of Wayne Bank, Q1 2016 to Q2 2026-1.0%3.7%8.4%13%18%20182020202220242026Return on equity11%Net interest margin3.9%Return on assets1.0%Return on equity, net interest margin and return on assets of Wayne Bank, Q1 2016 to Q2 2026-1.0%5.3%12%18%20202024
  • Return on equity 11%
  • Net interest margin 3.9%
  • Return on assets 1.0%
to . FDIC Call Reports.

Peer group of Wayne Bank

The peer group of Wayne Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Wayne Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Pennsylvania. Against them, Wayne Bank shows CET1 ratio 11.09% against a peer median of 13.15%, return on equity 10.55% against a peer median of 14.38% and uninsured deposit share 37.03% against a peer median of 37.05%.

BankCharterStateTotal assetsCET1 ratioReturn on equityUninsured share
Minnwest BankState nonmember bankMN$2.9 bn12.08%10.26%26.40%
Bryant BankState nonmember bankAL$2.9 bn18.98%16.94%57.57%
NEXTIER BANKNational bankPA$2.9 bn12.11%13.27%50.92%
Wayne BankState nonmember bankPA$2.9 bn11.09%10.55%37.03%
Cedar Rapids Bank and Trust CompanyState member bankIA$2.9 bn13.15%16.35%33.97%
National Exchange Bank and TrustNational bankWI$2.9 bnnot reported8.80%40.12%
American First National BankNational bankTX$2.9 bn16.38%15.49%22.72%

. FDIC Call Reports.

Last eight quarters

Two years at Wayne Bank, to : assets +27.4%, deposits +36.2%, equity +39.7%. Staff 264 to 307; offices 29 to 33.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026
Total assets$2.3 bn$2.3 bn$2.4 bn$2.4 bn$2.4 bn$2.4 bn$2.9 bn$2.9 bn
Total deposits$1.9 bn$1.9 bn$2.0 bn$2.0 bn$2.1 bn$2.1 bn$2.5 bn$2.5 bn
Bank equity capital$194.4 mn$212.8 mn$220.1 mn$225.0 mn$209.9 mn$217.2 mn$265.9 mn$271.6 mn
CET1 ratio11.66%12.30%12.03%12.10%10.92%11.04%11.01%11.09%
Return on equity (ROE)9.49%0.32%11.21%11.49%13.19%13.51%6.89%10.55%
Uninsured share of domestic deposits36.82%37.52%39.97%37.94%39.36%39.58%33.64%37.03%
Full-time equivalent employees264268270276272278310307
Number of offices2929303029293333

FDIC Call Reports.

Mergers and acquisitions

The FDIC history of Wayne Bank, oldest first; figures before and after each event are not like for like.

  1. . Absorbed The National Bank of Delaware County (FDIC certificate 7337).
  2. . Absorbed USNY Bank (FDIC certificate 58541).
  3. . Absorbed Presence Bank (FDIC certificate 30085).

Large one-quarter moves at Wayne Bank

  • Total assets at Wayne Bank changed by +46.6% in the quarter to 2016-09-30: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from The National Bank of Delaware County.
  • Total assets at Wayne Bank changed by +36.9% in the quarter to 2020-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from USNY Bank.

Questions and identifiers

What were the total assets of Wayne Bank?

Wayne Bank reported $2.9 bn at in its Call Report. That makes Wayne Bank the 433rd largest of 497 banks in our US coverage.

Is Wayne Bank the same as its holding company?

No. This page covers Wayne Bank, FDIC certificate 698; NORWOOD FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.

Is Wayne Bank profitable?

Wayne Bank reported net income of $14.0 mn for the year to ; annualized return on equity: 10.55%. So yes: Wayne Bank made a profit over these months.

When is data for Wayne Bank next updated?

Figures from Wayne Bank for are due after .

Where can I check the figures for Wayne Bank?

In the FDIC BankFind Suite record for certificate 698, and in the Call Reports of Wayne Bank (RSSD ID 59316) at the FFIEC Central Data Repository.