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Overview / Commentary
765-478-3561
145 West Main Street
Cambridge City, IN 47327

Wayne Bank and Trust Co. is headquartered in Cambridge City and is the 82nd largest bank in the state of Indiana. It is also the 3,651st largest bank in the nation. It was established in 1882 and as of September of 2017, it had grown to 46 employees at 3 locations. Wayne Bank and Trust Co.'s money market rates are 14% higher than the national average, and it has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #1849
Year Established1882
Employees46
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD3.89%
Annual Interest Income$4.3MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$141.6MM$136.5MM
LoansQ3 2017vs Q3 2016$98.2MM$94.7MM
DepositsQ3 2017vs Q3 2016$119.0MM$114.5MM
Equity CapitalQ3 2017vs Q3 2016$18.3MM$18.0MM
Loan Loss AllowanceQ3 2017vs Q3 2016$1.9MM$2.0MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$1.0MM$966.00K
Real Estate OwnedQ3 2017vs Q3 2016$7.00K$262.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$50k*$1mSavings
OTHER TIERS: 0.05% Up to $500 | 0.07% $500 - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k
0.20%*$50k*$1mYouth Savings
OTHER TIERS: 0.05% Up to $500 | 0.07% $500 - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k
0.15%*$2,500*$1mHealth Savings Account
OTHER TIERS: 0.05% Up to $500 | 0.10% $500 - $2,500
0.05%--Christmas Club

Wayne Bank and Trust Co. Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$500k*-Silver Eagle Money Market Savings
OTHER TIERS: 0.10% Up to $25k | 0.17% $25k - $50k | 0.20% $50k - $100k | 0.35% $100k - $250k | 0.40% $250k - $500k

Wayne Bank and Trust Co. Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$50k*-Premium Interest Checking
OTHER TIERS: 0.05% Up to $1,500 | 0.10% $1,500 - $2,500 | 0.12% $2,500 - $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%$1k-5 Year CD
0.45%$1k-4 Year CD
0.35%$1k-3 Year CD
0.20%$1k-2 Year CD
0.15%$1k-18 Month CD
0.10%$1k-1 Year CD
0.05%$1k-182 Day CD

Wayne Bank and Trust Co. IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%$100-5 Year IRA
0.45%$100-4 Year IRA
0.35%$100-3 Year IRA
0.20%$100-2 Year IRA
0.15%$100-18 Month IRA
0.10%$100-1 Year IRA
Locations


Wayne Bank and Trust Co. Locations
Wayne Bank and Trust Co.145 West Main StreetCambridge City, IN 47327
Gateway Branch4403 East Main StreetRichmond, IN 47374
Waytru Plaza Branch500 South A StreetRichmond, IN 47374