# WAYNE BANK
HONESDALE, PA · FDIC certificate 698 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.91B | |
| Deposits | $2.53B | |
| Loans and leases | $2.26B | |
| Total equity | $271.6M | |
| Loans / deposits | 88.43% (p53 of band) | 87.10% |
| Liquid assets / assets | 17.07% (p32 of band) | |
| Uninsured deposits / deposits | 37.03% (p66 of band) | 30.76% |
| Brokered deposits | 1.53% | |
| Wholesale funding | 3.78% (p40 of band) | |
| FHLB advances / assets | 2.25% | |
| Tier 1 leverage | 8.82% (p9 of band) | 10.50% |
| Unrealized securities loss / equity | -11.69% (p36 of band) | -7.75% |
| AOCI / equity | -1.18% (p14 of band) | |
| ROA (annualized) | 0.97% (p29 of band) | 1.26% |
| Net interest margin | 3.93% (p64 of band) | 3.70% |
| Efficiency ratio | 63.31% (p64 of band) | |
| Noncurrent loans | 1.21% (p78 of band) | 0.51% |
| Net charge-offs (annualized) | 0.13% (p79 of band) | |
| Reserve coverage of noncurrent | 93.70% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 48.04% (p50 of band) | |
| Auto loans | $276.7M (12.23% of loans; DQ 0.89%, NCO 0.08%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 26.5% | |
| Employees | 307 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 2 | reserve under noncurrent |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 1 | capital falling | charge-offs p90 |
| 2016-06 | 2 | charge-offs p90 |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 0 |  | capital falling, charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 1 |  | charge-offs p90 |
| 2019-09 | 0 |  | uninsured deposits leaving |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 2 | reserve under noncurrent |  |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | uninsured deposits leaving |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  | uninsured deposits leaving |
| 2023-09 | 2 | charge-offs p90 |  |
| 2023-12 | 3 | capital falling |  |
| 2024-03 | 2 |  | charge-offs p90 |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity, capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-25 [Wayne Bank supports Wayside Park development - The River Reporter](https://news.google.com/rss/articles/CBMijgFBVV95cUxOazR6dnlfb2YxNHJIanNpNENGWjlrTWd5d180Zml1TF91c2lqMFFidTBmMENPWkF1MjJJdEo5aGk1Nno3VHZwNEFfeW84SWJVb05rTjE0OEVjc2ZVNTFjMXZqWEJyOHRObExZQkxPRFc4T2M0cEgtdTBQM1ZieXRwVDhGdURza1ZnWGdET2xR?oc=5) · The River Reporter
- 2026-01-26 [Wayne Bank owner acquires PB Bankshares - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMijgFBVV95cUxQQUZ3a0stODltTFh2aDVRajZGNG5kZDcyRmp6SElhQUstSzVxR25kdDZMc0J2Qml6cUxnRmtwYUVGdkI2Z05tczlINVBLWVotRDYtaUNrZXdleTY5NXprMlhHTmZOanpBdnhKMDFkOHFwVWdPY25pdFE1ajUwc28wLVdQdUwxS1cxaTZhUVBn?oc=5) · Scranton Times-Tribune
- 2026-02-04 [Broker-dealer change at Wayne Bank - The River Reporter](https://news.google.com/rss/articles/CBMigAFBVV95cUxNNnJZVUxKN21oWVEtVmtYTVBIRUZNSkVSUTY2S19XaC1XTEpLeVllbFl2Sll5Nlgxbkx3NnJkZlZ0UldJNTNGeFloeHgxQ2lOcGcxRVBZRi1adEZ3MjdUTDM0WWZoUW1sSHlxdFZGN3ZUZkwxRmlXTzlZS3ZnVWRqZg?oc=5) · The River Reporter
- 2026-01-07 [Coatesville’s Last Remaining Bank Acquired for $55 Million - VISTA.Today](https://news.google.com/rss/articles/CBMic0FVX3lxTFB2VEhRTkNOaDA2QlB1UXpLVGFVcDJmdGR4cVJjVnhhYWNndmlnaWMxYkZRY2NwRm9uSERJTWVmcDd6WWJ2dWlJbUNuTk9BRk9hR3hFc1Z3RnljRzVlaVF0dVZyMU5vRF8tdWY5cjVCWXJrTkE?oc=5) · VISTA.Today
- 2025-07-10 [Pennsylvania banks to merge in $54.9M deal - Banking Dive](https://news.google.com/rss/articles/CBMimwFBVV95cUxNbC0tTkdnVzJqb1ZWVi00US16QXVJUG9teUtXT0tyYktuWlJnRnFFR1BsZVJzNW14SnpYOTR2R0xQd3FQZFlDUVNveFNpdW9Hc29YZUxBOXVrN2J6dnBaNXZKbXd4Yllwc0YwcVljYUlkU01GSjZJeHExSDFpTHZNNk1LVktWTHdPTTRwX2NrTHNEVmszalRYaW42RQ?oc=5) · Banking Dive
- 2024-08-27 [Wayne Bank honored with Pillar of the Community award - scdemocratonline.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNMWU3eXRYajdqazhSZHBnRHV4UlhlRnZoVGljQTlRbUdHY0VCYm5HVGZ3YmNuNVVaZ2JnSW1zY0NfSzAtVDJ4S3dIbW43YWtoR0NuYm1hLTRRekJnby1zSG9CZ2tXdXgySFFCb2RxOV9pYmpGSUxZNGQ5TVVBYk5VeEduWUxGejA0M2ZfdHFtYzZSY2NtYTRfY3BnQ3VmOXRUYUtz?oc=5) · scdemocratonline.com
- 2023-10-12 [Wayne Bank makes changes at its Geneva location - Finger Lakes Times](https://news.google.com/rss/articles/CBMiygFBVV95cUxOdGRoZ0lLS0VjMUdSS0ZEYUkwRWFtdEprcTZwRzhITjJrLTEwS3lNaVdkYnVabV84VzVuMjdQMmNRME5JV0hHWEdYYTlRWWphSGxCWGZ3Snc3dlNUQzFndGlOckVqR1BUdG5EWU5SeHppaHhIbmhEMENpVE9oaHkwRzZCckJIMUxuM2NwM2RjYTJUc25mY2lVLVcyZGRpcEd1LUNjbTlUSU1yM3JHNlhlckdDMGhVekR1Xy1JaHVlTmtsWGhELW5xTTR3?oc=5) · Finger Lakes Times
- 2025-08-28 [Wayne Bank celebrates opening of Forty Fort branch - Times Leader](https://news.google.com/rss/articles/CBMimwFBVV95cUxPQUlfQ3p1TXJYWWdWdjVHa0s3RnhnRnJMZ0ZjalZLcGM5N3N2TFF2ZWlFcVlTYmg5ZmFoQUE3V1JnMWt3YjI3TElraXBRQ21sQ29BWjNGVDZmYlo5WWMxeDdSNm5DdENhT29KT1VFelItdElfTkhTcTU5ajNtUVFMZ0ZwZFIwS1BYTEx3a1ZKUkxSZ0FjZFdqZlg2NA?oc=5) · Times Leader

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=698 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/58.json (key "698", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide