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Bank Of Wolcott
Wolcott, IN · FDIC Certificate #16201 · Chartered 10/1
Total assets
$280.26M
Total deposits
$234.20M
Total equity
$29.52M
Net loans
$141.07M
Branches (offices)
3
Net income (YTD)
$2.35M
Rank: #2,565 of 4,213 U.S. banks by assets · #63 of 87 in Indiana. Assets changed 6.0% and deposits 3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.69% |
| Return on equity | 16.23% |
| Net interest margin (YTD) | 3.34% |
| Equity to assets | 10.53% |
| Tier 1 leverage ratio | 12.01% |
| Uninsured deposits (share of deposits) | 39.2% |
| Noncurrent loans (share of loans) | 0.43% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 60.2% |
| Real estate loans (share of loans) | 74.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $104.94M | 74.4% | |
| Commercial & industrial | $18.99M | 13.5% | |
| Consumer / individual | $1.10M | 0.8% | |
| Construction & development | $113.00K | 0.1% | |
| Agricultural | $18.33M | 13.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $224.01M | $202.80M | $1.74M | $15.26M |
| Jun 2023 | $233.87M | $213.44M | $2.17M | $17.18M |
| Jun 2024 | $241.31M | $209.44M | $1.79M | $20.58M |
| Jun 2025 | $264.32M | $225.36M | $1.99M | $22.68M |
| Jun 2026 | $280.26M | $234.20M | $2.35M | $29.52M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $234.20M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $234.20M.
Similar-sized banks
Grand Bank For Savings, FSB ($280.35M) · First National Bank Of Pasco ($280.01M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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