Expansion Partnering Potential merger with Presence Bank signals a scale and product suite expansion opportunity. Engage to align treasury services, commercial lending, and wealth management capabilities with a broader asset base and cross-sell possible wholesale banking solutions.

Community Banking Strong local presence and long-standing history position Wayne Bank as a trusted partner for small to mid-sized businesses in Wayne County. target SMBs with personalized cash management, merchant services, and local lending programs that emphasize relationship-driven banking.

Digital Readiness Existing tech stack includes Fiserv and standard productivity tools, with measurable online presence. Offer modern (voice-enabled, mobile-first, enhanced security) digital banking enhancements, API-based integrations, and fraud risk automation to improve efficiency and security.

Credit & Funds Revenue in the 10–25 million range and growth through commercial lending roles suggest opportunity to upsell mid-market loans, equipment financing, and CRE services. Propose tailored loan origination support, underwriting analytics, and structured credit facilities.

Philanthropy & LOC Recent community investment such as a 2M line of credit to the Irem Temple Restoration project indicates a willingness to partner on nonprofit and community projects. Explore sponsorships, nonprofit banking packages, and LOC-based financing for community initiatives.