Bank · FDIC insured
Wayne Bank
A $255.3M bank headquartered in Richmond, IN, with 4 branches in Indiana. Best rates: savings 1.02% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—3.91%Needs another account or monthly activityCD rates →
- Savings872.02%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Wayne Bank
Founded in 1882 in Cambridge City, Indiana, Wayne Bank and Trust Co. is a family-owned community bank held by bank holding company WAYTRU.
Originally opened as Western Wayne Bank, it became The Wayne National Bank in 1907, formed The Wayne Trust Company in 1910, and adopted the Wayne Bank and Trust Co. name in 1975.
- Headquarters
- 500 S A St, Richmond, IN 47374
- FDIC certificate
- 1849 ↗
Branches
4 branches in Indiana
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Indiana
4 branches
- Wayne Bank and Trust Co.Main office500 S A St, Richmond, IN 47374Directions
- Cambridge City Branch145 West Main Street, Cambridge City, IN 47327Directions
- Hagerstown Branch629 E Main St, Hagerstown, IN 47346Directions
- Eastside Branch101 Garwood Road, Richmond, IN 47374Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.53% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.49% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.09% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $91 | $81 | — |
- CapitalLeverage ratio9.53%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.49%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.09%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$91Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Wayne Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.