WAYNE BANK&TRUST CO
RICHMOND, INDIANA · FDIC Cert #1849
Capital & Safety Analysis
According to FDIC financial data, WAYNE BANK&TRUST CO holds a Tier 1 capital ratio of 12.90%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning WAYNE BANK&TRUST CO has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
WAYNE BANK&TRUST CO shows strong financial health indicators. With $223M in assets and a Health Score of 75/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
WAYNE BANK&TRUST CO has a Bank Health Score of B (75/100). It holds a Tier 1 capital ratio of 12.90%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
WAYNE BANK&TRUST CO holds $223M in total assets and $200M in total deposits. It is located in RICHMOND, INDIANA (FDIC Certificate #1849).
WAYNE BANK&TRUST CO has a Tier 1 capital ratio of 12.90%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.32%, and the return on assets is 0.39%.
Yes. WAYNE BANK&TRUST CO is FDIC-insured (Certificate #1849). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.