WELLS RIVER SAVINGS BANK
WELLS RIVER SAVINGS BANK is an FDIC-insured commercial bank headquartered in WELLS RIVER, VT, established in 1892. As of , 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 4.03%. CET1 capital ratio: 16.92%, well above regulatory minimums. NPL ratio: 0.40% · Texas Ratio: 2.87%. Operates 6 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Wells River Savings Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 16.92% | 0.74% | 0.40% | 2.87% | 4.03% |
| 2025-09-30 | 16.67% | 0.78% | 0.39% | 2.84% | 3.93% |
| 2025-06-30 | 16.59% | 0.56% | 0.40% | 2.96% | 3.62% |
| 2025-03-31 | 17.49% | 0.65% | 0.41% | 3.01% | 3.86% |
| 2024-12-31 | 17.29% | 0.72% | 0.41% | 3.18% | 3.87% |
| 2024-09-30 | 16.96% | 0.42% | 0.42% | 3.08% | 3.66% |
| 2024-06-30 | 16.72% | 0.55% | 0.48% | 3.80% | 3.60% |
| 2024-03-31 | 16.42% | 0.68% | 0.41% | 3.31% | 3.61% |
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Frequently asked about WELLS RIVER SAVINGS BANK
What are Wells River Savings Bank's total assets?
As of the Q4 2025 filing, Wells River Savings Bank reported total assets of $251.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Wells River Savings Bank headquartered?
Wells River Savings Bank is headquartered in WELLS RIVER, VT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Wells River Savings Bank founded?
Wells River Savings Bank was established in 1892, per the FDIC institution directory.
Is Wells River Savings Bank FDIC-insured?
Yes. Wells River Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #14136). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wells River Savings Bank?
Wells River Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Wells River Savings Bank's CET1 capital ratio?
Wells River Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.92% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Wells River Savings Bank operate?
Wells River Savings Bank operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Wells River Savings Bank's Texas Ratio?
Wells River Savings Bank's Texas Ratio is 2.87% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.