BanksWELLS RIVER SAVINGS BANK

WELLS RIVER SAVINGS BANK

WELLS RIVER, VTSmallEst. Jan. 1, 1892, midnightFDIC #14136RSSD #303701FDIC
Latest · 2025-12-31

WELLS RIVER SAVINGS BANK is an 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%. CET1 capital ratio: 16.92%, well above regulatory minimums. NPL ratio: 0.37% · Texas Ratio: 2.66%. Operates 6 domestic branches.

Assets
$252M
Deposits
$220M
Loans
$174M
Equity
$23M

Profitability

Return on Assets (ROA)0.74%
Return on Equity (ROE)8.32%
Net Interest Margin4.30%
Yield on Assets5.50%
Cost of Funds1.23%

Asset Quality

NPL Ratio0.37%
Net Charge-Off Ratio0.07%
Texas Ratio2.66%
NPA Ratio0.26%
ACL / Loans0.92%

Capital & Liquidity

CET1 Ratio16.92%
Tier 1 Capital16.92%
Total Capital Ratio17.90%
Leverage Ratio10.77%
Loan-to-Deposit79.06%

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