🏦Bank Scorer

WAYNE BANK

HONESDALE, PA · Supervised by FDIC

Est. 1871FDIC #698RSSD: FDIC-698
Part ofNORWOOD FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: March 2026

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.62%

Institution Profile

FDIC BankFind

Website

Address

717 Main St, HONESDALE, PA

County

Wayne County

Established

January 1, 1871

Total Assets

$2.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2026

Exam Type

Large Bank

Regulator

FDIC
Estimated next exam:Mar 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.9B

Total Deposits

$2.5B

Net Loans

$2.2B

Net Income

$5M

ROA

0.62%

ROE

6.89%

Risk-Based Capital

12.10%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate20.09%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

30

Branch Deposits

$2.0B

1-Year Change

+1

5-year net change: +3 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202469264.74%20.09%
202371564.9%17.62%
20221,01068.42%16.93%
202190363.57%16.94%
202075362.68%17.00%
201945962.75%22.22%
201851463.81%24.32%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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