Compared with Indiana
10 of 21
compared fees are above the median.
7 below, 4 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
46th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Indiana median
of 21 compared; 7 below, 4 about the same
See the feesFee schedule read Oct 3, 2026
Call-report figures are for Wayne Bank and Trust Co. at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Indiana median | Published fees above the Indiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Wayne Bank and Trust Co.'s published fee schedule; Bank Fee Index medians | Current schedule | Oct 3, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.9% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (46th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $54K in Q2 2026, about level with the same quarter a year earlier ($54K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
10 of 21 compared published fees sit above the Indiana median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Indiana medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $5.95, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 11% from Q3 2025 to Q2 2026, to $54K. Its share of revenue, 1.9%, is below the 2.1% median for banks with under $300M in assets.
$54K
Wayne Bank and Trust Co.Median
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5.95 to $6.95; we compare the midpoint.
Wayne Bank and Trust Co. · $255M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Wayne Bank and Trust Co.(this institution) | Richmond, IN | $255M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1st National Bank | Lebanon, OH | $247M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Alliant Bank | Madison, MO | $256M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Brookhaven | Brookhaven, MS | $262M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Easton | North Easton, MA | $249M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Hindman | Hindman, KY | $260M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Bank of Perry County | Lobelville, TN | $253M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cendera Bank | Bells, TX | $258M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Bank of Eldon | Eldon, MO | $247M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Commercial State Bank | Wausa, NE | $264M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Drake Bank | Saint Paul, MN | $247M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Financial Bank | Bessemer, AL | $248M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First National Bank of Burleson | Burleson, TX | $251M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank USA | Boutte, LA | $249M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heartland Bank | Somers, IA | $256M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hometown Bank | Kent, OH | $255M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lee Bank and Trust Company | Pennington Gap, VA | $257M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Quoin Financial Bank | Miller, SD | $251M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Raritan State Bank | Raritan, IL | $254M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Security Bank | New Auburn, WI | $254M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Security National Bank of South Dakota | Dakota Dunes, SD | $251M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Farmers State Bank of Westmoreland | Westmoreland, KS | $258M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Peoples Bank of Georgia | Talbotton, GA | $252M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Western National Bank | Chester, NE | $257M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wyoming Community Bank | Riverton, WY | $262M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| YNB | Yukon, OK | $261M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5.95, the middle of its three prices, against a peer median of $5.87 among 15 publishing peers.
Its three checking prices are $5.95, $5.95 and $6.95.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Wayne Bank and Trust Co. (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $54K | +$1K | +1.9% |
| Q1 2026 | $53K | −$2K | −3.6% |
| Q4 2025 | $55K | −$6K | −9.8% |
| Q3 2025 | $61K | +$7K | +13.0% |
| Q2 2025 | $54K | +$9K | +20.0% |
| Q1 2025 | $45K | −$9K | −16.7% |
| Q4 2024 | $54K | +$3K | +5.9% |
| Q3 2024 | $51K | −$4K | −7.3% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Wayne Bank and Trust Co. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Wayne Bank and Trust Co. by share.
Amounts from Wayne Bank and Trust Co.’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per hour
per item
per item
per year
per year
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Benefits Checking Monthly Service Charge | $6.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Cash Rewards Checking Monthly Service Charge | $5.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Premium Interest Checking Monthly Service Charge | $5.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| New Account Closed within 90 Days | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (non-activity after 1 year) | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research/ Account Reconciliation | $40Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee (Rewards Accounts Only) | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Excessive Activity Charge (More than 6 checks/transfers/automatic debits per month on Money Market) | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Non-sufficient Funds- Paid Item Fee | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-sufficient Funds- Returned Item Fee | $28Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Fee (after 4th Business Day of Continuous OD) | $6Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer – Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer – Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer – Outgoing International (USD-United States Dollars) | $65Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer – Incoming International | $50Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Bank Check - Cashier’s Check Purchased | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Fee | $28Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks/Deposit Tickets (12 per order) | $5Above the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Foreign Check Processing | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Processing – Non-Account Holder (audience not stated, treated as personal) | 10%($1 minimum) | Not stated | None |
Account Services | |||
| Notary Fee – Non-Account Holder | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| 10 X 10, 12 X 15 Box Annual Rent | $120Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 10 X 3 Box Annual Rent | $66Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 10 X 5 Box Annual Rent | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 2 X 4.5 Box Annual Rent | $42Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3 X 5, 4 X 3.5, 4 X4, 5 X 3 Box Annual Rent | $42Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 4 X 6.5”, 4.5X5 Box Annual Rent | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 8 X 9 Box Annual Rent | $66Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Tax Levy/garnishment/attachment (Federal) | $60Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Tax Levy/garnishment/attachment (State) | $20Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy Service | $2Not compared: Charged per page; comparison unavailable | per page | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per hour
per item
per item
per year
per year
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Benefits Checking Monthly Service Charge | $6.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Cash Rewards Checking Monthly Service Charge | $5.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Premium Interest Checking Monthly Service Charge | $5.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| New Account Closed within 90 Days | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (non-activity after 1 year) | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research/ Account Reconciliation | $40Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee (Rewards Accounts Only) | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Excessive Activity Charge (More than 6 checks/transfers/automatic debits per month on Money Market) | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Non-sufficient Funds- Paid Item Fee | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-sufficient Funds- Returned Item Fee | $28Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Fee (after 4th Business Day of Continuous OD) | $6Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer – Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer – Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer – Outgoing International (USD-United States Dollars) | $65Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer – Incoming International | $50Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Bank Check - Cashier’s Check Purchased | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Fee | $28Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks/Deposit Tickets (12 per order) | $5Above the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Foreign Check Processing | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposited Item (Business Accounts Only) | $10 | Not stated | None |
Account Services | |||
| Notary Fee – Non-Account Holder | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| 10 X 10, 12 X 15 Box Annual Rent | $120Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 10 X 3 Box Annual Rent | $66Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 10 X 5 Box Annual Rent | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 2 X 4.5 Box Annual Rent | $42Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3 X 5, 4 X 3.5, 4 X4, 5 X 3 Box Annual Rent | $42Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 4 X 6.5”, 4.5X5 Box Annual Rent | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 8 X 9 Box Annual Rent | $66Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Tax Levy/garnishment/attachment (Federal) | $60Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Tax Levy/garnishment/attachment (State) | $20Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy Service | $2Not compared: Charged per page; comparison unavailable | per page | None |
Oct 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Wayne Bank and Trust Co. operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state, $224.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 4 | $224.6M |
Largest competitors nearby
Local market: Wayne county, IN, where it holds the most deposits.
| 10 in its local market | Deposit share |
|---|---|
| First Bank Richmond | 35% |
| Merchants Bank of Indiana | 21.9% |
| U.S. Bank National Association | 21.2% |
| JPMorgan Chase Bank, National Association | 7.9% |
| First Financial Bank | 4.1% |
This bank holds 9.7% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.