Wayne Bank and Trust Co.

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.65%	1-year CD	2.75% - Barclays 12 Month Online CD
1.65%	5-year CD	3.10% - Barclays 60 Month Online CD
0.20%	Savings	2.20% - Barclays Online Savings Account

View all Wayne Bank and Trust Co. rates »

Overview / Commentary

waynebankonline.com

765-478-3561

145 West Main Street
Cambridge City, IN 47327

Wayne Bank and Trust Co. is headquartered in Cambridge City and is the 69^th largest bank in the state of Indiana. It is also the 3,201^st largest bank in the nation. It was established in 1882 and as of December of 2018, it had grown to 48 employees at 3 locations. Wayne Bank and Trust Co.'s money market rates are 4X the national average, and it has an A health rating.

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Health

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	1849
Year Established	1882
Employees	48
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.48%
Return on Equity - YTD	4.18%
Annual Interest Income	$6.6MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$169.5MM$145.4MM
Loans	Q4 2018vs Q4 2017	$128.1MM$100.8MM
Deposits	Q4 2018vs Q4 2017	$136.8MM$121.2MM
Equity Capital	Q4 2018vs Q4 2017	$18.4MM$18.0MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$1.8MM$1.9MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$1.1MM$1.1MM
Real Estate Owned	Q4 2018vs Q4 2017	$2.00K$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Wayne Bank and Trust Co. Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$50k^*	$1m	Savings
OTHER TIERS: 0.02% → $25k - $50k \| 0.05% → Up to $500 \| 0.07% → $500 - $10k \| 0.10% → $10k - $25k
0.20%^*	$50k^*	$1m	Youth Savings
OTHER TIERS: 0.02% → $25k - $50k \| 0.05% → Up to $500 \| 0.07% → $500 - $10k \| 0.10% → $10k - $25k
0.15%^*	$2.5k^*	$1m	Health Savings Account
OTHER TIERS: 0.05% → Up to $500 \| 0.10% → $500 - $2.5k
0.05%	-	-	Christmas Club

Wayne Bank and Trust Co. Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.66%^*	$500k^*	-	Silver Eagle Money Market Savings
OTHER TIERS: 0.40% → Up to $25k \| 0.47% → $25k - $50k \| 0.55% → $50k - $100k \| 0.75% → $100k - $250k \| 0.80% → $250k - $500k

Wayne Bank and Trust Co. Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$50k^*	-	Premier Interest Checking
OTHER TIERS: 0.01% → $1.5k - $2.5k \| 0.05% → Up to $1.5k \| 0.12% → $2.5k - $10k \| 0.15% → $10k - $25k \| 0.20% → $25k - $50k
0.05%	-	-	Easy Interest Checking
0.05%	-	-	50+ Interest Checking
0.05%	$500	-	Business Interest Checking

Wayne Bank and Trust Co. CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.80%	$1k	-	20 Month CD Special
2.80%	$1k	-	18 Month CD Special
1.65%	$1k	-	1 Year CD
1.65%	$1k	-	5 Year CD
1.55%	$1k	-	182 Day CD
1.55%	$1k	-	4 Year CD
1.45%	$1k	-	3 Year CD
1.35%	$1k	-	2 Year CD
1.30%	$1k	-	18 Month CD

Wayne Bank and Trust Co. IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.80%	$1k	-	18 Month IRA Special
2.80%	$1k	-	20 Month IRA Special
1.90%	$100	-	5 Year IRA
1.80%	$100	-	4 Year IRA
1.70%	$100	-	3 Year IRA
1.60%	$100	-	2 Year IRA
1.55%	$100	-	18 Month IRA
1.40%	$100	-	1 Year IRA

Locations

Wayne Bank and Trust Co. Locations
Wayne Bank and Trust Co.	145 West Main Street	Cambridge City, IN 47327
Gateway Branch	4403 East Main Street	Richmond, IN 47374
Waytru Plaza Branch	500 South A Street	Richmond, IN 47374

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