Wayne Bank (FDIC #698): Bank Stress & Real-Estate Credit Exposure
Wayne Bank (FDIC Cert #698): bank stress 73/100, elevated, STABLE over 7 days; parent NORWOOD FINANCIAL CORP (NWFL).
Wayne Bank (#698) lends in 12 counties across 2 states; Wayne Bank (#698) reaches 427 ZIP codes: Pennsylvania 7 counties, 247 ZIPs; New York 5 counties, 180 ZIPs.
Wayne Bank (#698) largest markets: Sullivan County, NY (310 branches, 62 ZIPs) (#698), Lancaster County, PA (122 branches, 61 ZIPs) (#698), Luzerne County, PA (102 branches, 51 ZIPs) (#698), Delaware County, NY (235 branches, 47 ZIPs) (#698), Otsego County, NY (92 branches, 46 ZIPs) (#698), Chester County, PA (92 branches, 46 ZIPs) (#698).
Wayne Bank (#698) reports $2.91 billion in total assets; Wayne Bank (#698) equity $271.6 million (9.3% of Wayne Bank (#698) assets); Wayne Bank (#698) domestic deposits $2.53 billion; Wayne Bank (#698) net income $14.0 million; Wayne Bank (#698) return on assets 0.97%; Wayne Bank (#698) return on equity 10.55%; Wayne Bank (#698) net interest income $52.8 million; Wayne Bank (#698) call report June 30, 2026.
Wayne Bank (#698) noncurrent real-estate loans 0.09% of its book; Wayne Bank (#698) residential 0.18%; Wayne Bank (#698) net charge-offs on real estate 1.58%; Wayne Bank (#698) multifamily charge-offs 0.78%; Wayne Bank (#698) residential charge-offs 2.76%.
Wayne Bank (#698) net interest margin 3.93% against an eight-quarter Wayne Bank (#698) average of 3.42% (Wayne Bank (#698) compression -0.51 points); Wayne Bank (#698) real-estate loans 8.8% of equity; Wayne Bank (#698) non-residential real estate 276.1% of equity; Wayne Bank (#698) rate-exposure score 40/100, Wayne Bank (#698) fixed-rate trap 40/100; Wayne Bank (#698) risk type credit driven; Wayne Bank (#698) rate regime rates elevated; Wayne Bank (#698) shares 3.8% below the 52-week high, Wayne Bank (#698) equity trend stable, Wayne Bank (#698) snapshot October 20, 2026.
Wayne Bank (#698) stress score moved from 79.5 on June 22, 2026 to 73.5 on October 20, 2026; Wayne Bank (#698) ranged 73.5 to 79.5 over 117 snapshots.
Wayne Bank (#698) alerts: 12 counties; top Wayne Bank (#698) alert scores: Geneva County, PA 24 (low); New Holland County, PA 24 (low); Oneonta County, PA 24 (low); Oxford County, PA 24 (low); Penn Yan County, PA 24 (low).