WELLS RIVER SAVINGS BANK

WELLS RIVER, VT | Small | Est. Jan. 1, 1892, midnight | FDIC #14136 | RSSD #303701 | FDIC
Latest Report: 2025-12-31

WELLS RIVER SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in WELLS RIVER, VT, established in Jan. 1, 1892, midnight. As of 2025-12-31, the bank reported total assets of $252M and total deposits of $220M. Profitability stands at 0.74% ROA and 8.32% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 16.92%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.37% and a Texas Ratio of 2.66%. FDIC Certificate #14136.

Assets

$252M

Deposits

$220M

Loans

$174M

Equity

$23M

Profitability

Return on Assets (ROA) 0.74%
Return on Equity (ROE) 8.32%
Net Interest Margin (NIM) 4.30%
Yield on Assets 5.50%
Cost of Funds 1.23%

Asset Quality

NPL Ratio 0.37%
Net Charge-Off Ratio 0.07%
Texas Ratio 2.66%
NPA Ratio 0.26%
ACL / Loans 0.92%

Capital & Liquidity

CET1 Ratio 16.92%
Tier 1 Capital 16.92%
Total Capital Ratio 17.90%
Leverage Ratio 10.77%
Loan-to-Deposit 79.06%

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