WELLWORTH BANK

LAFAYETTE, TN | Large | Est. July 1, 1909, midnight | FDIC #1711 | RSSD #63733 | FDIC
Latest Report: 2025-12-31

WELLWORTH BANK is aln large FDIC-insured commercial bank headquartered in LAFAYETTE, TN, established in July 1, 1909, midnight. As of 2025-12-31, the bank reported total assets of $1.8B and total deposits of $1.5B. Profitability stands at 1.41% ROA and 14.34% ROE, with a net interest margin of 3.93%. The bank's CET1 capital ratio is 13.53%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.26% and a Texas Ratio of 8.24%. FDIC Certificate #1711.

Assets

$1.8B

Deposits

$1.5B

Loans

$1.2B

Equity

$175M

Profitability

Return on Assets (ROA) 1.41%
Return on Equity (ROE) 14.34%
Net Interest Margin (NIM) 3.93%
Yield on Assets 6.16%
Cost of Funds 3.28%

Asset Quality

NPL Ratio 1.26%
Net Charge-Off Ratio 0.08%
Texas Ratio 8.24%
NPA Ratio 0.88%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 13.53%
Tier 1 Capital 13.53%
Total Capital Ratio 14.68%
Leverage Ratio 9.83%
Loan-to-Deposit 84.93%

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