← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Pennsylvania, the state note

Wayne Bank

Honesdale, Pennsylvania · $2.91B in assets · beside the 11 other Pennsylvania banks between $1B and $3B

The filing

+26.9%
Loans, year over year
2nd of 12, largest first
89.4%
Loans / deposits
9th of 12
1.21%
NPA / loans
9th of 12

Wayne Bank is the third largest of the 12 Pennsylvania banks nearest its size between $1B and $3B, with $2.91B in assets at 30 June 2026. Loans are 89.4% of deposits, 9th of 12 against a median of 84.0%, and equity is 9.3% of assets, 6th of 12. Loans grew +26.9% in the year, 2nd of 12, and deposits grew 26.5%; the cohort's median loan growth is +9.9%.

Noncurrent loans are 1.21% of the book, 9th of 12 against a median of 0.67%; 0.18% is 30 to 89 days past due, and the allowance covers them 0.9 times. Net charge-offs are 0.17% of loans, 11th of 12. Commercial real estate is 25.0% of loans, 5th of 12 against a median of 29.1%, and 201% of capital, below the 300% screen, with construction at 46% against the 100% screen. CRE has grown +138.0% over 36 months, past the guidance's 50% prong.

Return on assets is 0.95%, 9th of 12 against a median of 1.13%, on an efficiency ratio of 63.9%, 8th of 12. Five years ago it was 1.15%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Loans as a share of depositsPA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 84.0% EB Embassy Bank Lehigh Valley 77.7% ST Somerset Trust Co. 81.3% FD Fidelity Deposit & Discount Bank 81.6% EN Ephrata National Bank 82.7% QB QNB Bank 82.9% FM Farmers & Merchants Trust Chamber 83.8% JB Journey Bank 84.2% NB Nextier Bank National Association 86.8% WB Wayne Bank 89.4% MB Meridian Bank 101.5% Bo Bank of Bird-in-hand 103.4% KB Kish Bank 117.3%
Loans, year over yearPA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +9.9% QB QNB Bank +40.8% WB Wayne Bank +26.9% Bo Bank of Bird-in-hand +15.5% KB Kish Bank +14.4% EN Ephrata National Bank +14.2% FD Fidelity Deposit & Discount Bank +13.7% FM Farmers & Merchants Trust Chamber +6.1% JB Journey Bank +4.1% MB Meridian Bank +3.7% EB Embassy Bank Lehigh Valley +3.0% NB Nextier Bank National Association +2.1% ST Somerset Trust Co. -1.0%

SBA 7(a), FY2008 to FY2026

Wayne Bank is the 93rd largest 7(a) lender into Pennsylvania of 374, with $15M across 32 loans, 0.1% of everything approved in the state (The Huntington National Bank leads with $747M). 11 of its 21 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Pennsylvania, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Lackawanna, PA$6M8th of 622.5%thin
Wayne, PA$5M2nd of 3410.5%thin
Delaware, NY$2M3rd of 1710.3%thin
Monroe, PA$2M20th of 671.7%thin
Monroe, NY$2M39th of 890.3%quiet FY2011
Seneca, NY$2M6th of 169.2%quiet FY2017
Schuyler, NY$2M4th of 2010.8%quiet FY2018
Ontario, NY$1M20th of 451.0%quiet FY2011
Schuylkill, PA$1M18th of 391.4%thin
Otsego, NY$931K11th of 212.6%quiet FY2011
Pike, PA$925K9th of 302.8%thin
Yates, NY$900K5th of 194.8%quiet FY2018
Broome, NY$468K31st of 490.3%thin
8 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing16$11M38.1%0.03%443rd of 2,246
Retail trade14$6M19.3%0.01%686th of 2,589
Accommodation & food services13$5M17.3%0.01%818th of 2,596
Health care & social assistance4$2M8.3%0.00%818th of 2,172
Administrative & waste services4$2M6.1%0.01%603rd of 1,763
7(a) lenders into Pennsylvania, share of approvals since FY2008374 lenders on record; the ten largest and Wayne Bank
TH The Huntington National Bank 6.0% $747M · 3,723 loans WS Wilmington Savings Fund Society F… 5.3% $655M · 959 loans LO Live Oak Banking Company 4.9% $615M · 509 loans FB Fulton Bank, National Association 4.3% $533M · 636 loans BB Beacon Bank and Trust 4.2% $526M · 572 loans FC First Commonwealth Bank 4.0% $498M · 978 loans Ma Manufacturers and Traders Trust C… 3.6% $451M · 3,808 loans MB Meridian Bank 3.0% $373M · 416 loans TB TD Bank, National Association 2.8% $349M · 2,613 loans PB PNC Bank, National Association 2.6% $318M · 1,532 loans WB Wayne Bank 0.1% $15M · 32 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Wayne BankRankCohort median
Total CRE against capital, the 300% screen201%6th of 12204%
Construction against capital, the 100% screen46%6th of 1249%
Construction and land development, share of loans5.8%6th of 126.4%
Non-owner-occupied nonfarm nonresidential, share of loans15.5%6th of 1216.8%
Total CRE, the guidance definition, share of loans25.0%5th of 1229.1%
CRE growth over 36 months, the third prong+138.0%12th of 12+59.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Fidelity Deposit & Discount Bank$2.97B1.1%58.5%0.08%0.01%1.0%81.6%8.5%
Nextier Bank National Association$2.93B1.4%50.9%1.49%0.00%1.1%86.8%10.6%
Wayne Bank$2.91B1.0%63.9%1.21%0.17%1.1%89.4%9.3%
Meridian Bank$2.59B0.8%64.5%3.68%0.93%1.0%101.5%9.6%
Somerset Trust Co.$2.47B1.1%66.3%1.49%0.12%1.3%81.3%8.1%
Ephrata National Bank$2.39B1.0%71.4%0.54%0.04%1.1%82.7%9.4%
QNB Bank$2.37B0.7%71.5%0.61%0.00%0.7%82.9%8.8%
Farmers & Merchants Trust Chamber$2.34B1.2%60.1%1.10%0.07%1.4%83.8%8.3%
Kish Bank$2.08B1.2%61.3%0.57%0.03%0.7%117.3%8.4%
Bank of Bird-in-hand$1.91B1.2%52.6%0.19%0.00%0.6%103.4%9.6%
Embassy Bank Lehigh Valley$1.86B0.9%59.0%0.05%0.00%0.9%77.7%6.9%
Journey Bank$1.67B1.7%51.7%0.74%0.03%0.8%84.2%11.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Wayne BankCohort median
20212026Change20212026Change
Loans$1.39B$2.26B+63%$1.07B$1.73B+62%
Deposits$1.69B$2.53B+50%$1.39B$2.01B+44%
NPA / loans0.85%1.21%+0.36 pts0.43%0.67%+0.24 pts
Efficiency52.7%63.9%+11.2 pts61.1%60.7%-0.4 pts
ROA1.15%0.95%-0.19 pts1.05%1.13%+0.09 pts

This read was prepared for Wayne Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Wayne Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort PA banks $1B to $3B
Institution Wayne.Bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue