Overview / Commentary
145 West Main Street
Cambridge City, IN 47327

Wayne Bank and Trust Co. is headquartered in Cambridge City and is the 69th largest bank in the state of Indiana. It is also the 3,201st 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 Grade Components

FDIC Certificate #1849
Year Established1882
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD4.18%
Annual Interest Income$6.6MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$169.5MM$145.4MM
LoansQ4 2018vs Q4 2017$128.1MM$100.8MM
DepositsQ4 2018vs Q4 2017$136.8MM$121.2MM
Equity CapitalQ4 2018vs Q4 2017$18.4MM$18.0MM
Loan Loss AllowanceQ4 2018vs Q4 2017$1.8MM$1.9MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$1.1MM$1.1MM
Real Estate OwnedQ4 2018vs Q4 2017$2.00K$0
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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

OTHER TIERS: 0.02% $25k - $50k | 0.05% Up to $500 | 0.07% $500 - $10k | 0.10% $10k - $25k
0.20%*$50k*$1mYouth Savings
OTHER TIERS: 0.02% $25k - $50k | 0.05% Up to $500 | 0.07% $500 - $10k | 0.10% $10k - $25k
0.15%*$2.5k*$1mHealth 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

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

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

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

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

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

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