| Metric | Wayne Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.8% | +5.5% | +17.3 pts |
| Deposit growth (YoY) | +26.5% | +5.1% | +21.5 pts |
| Loan growth (YoY) | +26.9% | +5.9% | +21.0 pts |
| ROA | 0.97% | 1.26% | -0.3 pts |
| ROE | 10.6% | 12.2% | -1.6 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.91B | $2.53B | $2.24B | $271.6M | $14.0M | 0.97% | 3.93% | 0.97% |
| Q1 2026 | $2.92B | $2.52B | $2.21B | $265.9M | $4.5M | 0.62% | 3.76% | 0.38% |
| Q4 2025 | $2.43B | $2.11B | $1.83B | $217.2M | $29.3M | 1.23% | 3.56% | 0.29% |
| Q3 2025 | $2.41B | $2.10B | $1.79B | $209.9M | $21.5M | 1.21% | 3.50% | 0.31% |
| Q2 2025 | $2.37B | $2.00B | $1.76B | $225.0M | $12.6M | 1.07% | 3.40% | 0.34% |
| Q1 2025 | $2.38B | $2.01B | $1.74B | $220.1M | $6.1M | 1.03% | 3.29% | 0.33% |
| Q4 2024 | $2.32B | $1.86B | $1.69B | $212.8M | $608K | 0.03% | 2.98% | 0.34% |
| Q3 2024 | $2.28B | $1.86B | $1.66B | $194.4M | $13.1M | 0.78% | 2.93% | 0.35% |
Loan mix (Q2 2026): real estate $1.62B · commercial $229.7M · consumer $345.3M · securities $439.0M
| Ratio | Wayne Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.26% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 12.2% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.3% | 59.0% | 64th |
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 | 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 | 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 | 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 | 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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