Wayne Bank and Trust Co.

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.55%	5-year CD	5 Year CD 2.35% - Synchrony Bank 60 Month CD
0.20%	Savings	Savings 1.15% - CIT Bank Spring Savings
0.10%	1-year CD	1 Year CD 1.40% - Synchrony Bank 12 Month CD

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 83^rd largest bank in the state of Indiana. It is also the 3,698^th largest bank in the nation. It was established in 1882 and as of March of 2017, it had grown to 48 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

A

Data as of Q1 2017

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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	-0.01%
Return on Equity - YTD	-0.09%
Annual Interest Income	$1.4MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$140.6MM$133.8MM
Loans	Q1 2017vs Q1 2016	$92.7MM$87.0MM
Deposits	Q1 2017vs Q1 2016	$119.3MM$115.1MM
Equity Capital	Q1 2017vs Q1 2016	$17.7MM$17.9MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$1.9MM$2.1MM
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$975.00K$669.00K
Real Estate Owned	Q1 2017vs Q1 2016	$56.00K$613.00K

Rates

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Money Market
Checking
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Wayne Bank and Trust Co. Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$50k^*	$1m	Savings
OTHER TIERS: 0.05% → Up to $500 \| 0.07% → $500 - $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k
0.20%^*	$50k^*	$1m	Youth Savings
OTHER TIERS: 0.05% → Up to $500 \| 0.07% → $500 - $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k
0.15%^*	$2,500^*	$1m	Health 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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Street	Cambridge City, IN 47327
Gateway Branch	4403 East Main Street	Richmond, IN 47374
Waytru Plaza Branch	500 South A Street	Richmond, IN 47374