WELLINGTON STATE BANK

WELLINGTON, TX | Medium | Est. Jan. 1, 1906, midnight | FDIC #1219 | RSSD #371362 | FED
Latest Report: 2025-12-31

WELLINGTON STATE BANK is amn medium FDIC-insured commercial bank headquartered in WELLINGTON, TX, established in Jan. 1, 1906, midnight. As of 2025-12-31, the bank reported total assets of $653M and total deposits of $593M. Profitability stands at 0.92% ROA and 11.94% ROE, with a net interest margin of 3.50%. The bank's CET1 capital ratio is 15.55%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 7.17% and a Texas Ratio of 45.31%. FDIC Certificate #1219.

Assets

$653M

Deposits

$593M

Loans

$348M

Equity

$50M

Profitability

Return on Assets (ROA) 0.92%
Return on Equity (ROE) 11.94%
Net Interest Margin (NIM) 3.50%
Yield on Assets 5.48%
Cost of Funds 2.01%

Asset Quality

NPL Ratio 7.17%
Net Charge-Off Ratio 0.22%
Texas Ratio 45.31%
NPA Ratio 3.82%
ACL / Loans 1.36%

Capital & Liquidity

CET1 Ratio 15.55%
Tier 1 Capital 15.55%
Total Capital Ratio 16.74%
Leverage Ratio 9.43%
Loan-to-Deposit 58.72%

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