| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.4% | +2.7 pts |
| Deposit growth (YoY) | +4.2% | +4.0% | +0.2 pts |
| Loan growth (YoY) | +7.9% | +5.6% | +2.3 pts |
| ROA | 1.09% | 1.24% | -0.1 pts |
| ROE | 14.0% | 11.9% | +2.2 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $255.3M | $224.6M | $201.5M | $20.0M | $1.4M | 1.09% | 4.04% | 0.39% |
| Q1 2026 | $258.8M | $235.1M | $202.5M | $20.0M | $740K | 1.16% | 3.94% | 0.10% |
| Q4 2025 | $251.1M | $222.5M | $197.4M | $19.6M | $2.0M | 0.83% | 3.79% | 0.13% |
| Q3 2025 | $247.3M | $225.0M | $194.1M | $18.6M | $1.4M | 0.79% | 3.70% | 0.13% |
| Q2 2025 | $238.5M | $215.6M | $186.8M | $17.2M | $771K | 0.67% | 3.60% | 0.13% |
| Q1 2025 | $229.6M | $210.6M | $178.1M | $17.4M | $408K | 0.71% | 3.51% | 0.16% |
| Q4 2024 | $227.5M | $209.5M | $172.6M | $16.8M | $1.1M | 0.48% | 3.32% | 0.12% |
| Q3 2024 | $227.1M | $205.9M | $169.8M | $17.6M | $712K | 0.43% | 3.27% | 0.15% |
Loan mix (Q2 2026): real estate $178.4M · commercial $18.6M · consumer $3.3M · securities $34.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Wayne Bank and Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.24% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 11.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
55th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 62.9% | 72th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Wayne Bank and Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Wayne Bank and Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Wayne Bank and Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Wayne Bank and Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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