Bank Comparison
Abbybank vs Wellington State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Abbybank | Wellington State Bank |
|---|---|---|
| CET1 Ratio | 12.79% | 15.91% |
| Tier 1 Capital Ratio | 12.79% | 15.91% |
| Total Capital Ratio | 13.83% | 17.16% |
| Tier 1 Leverage Ratio | 9.36% | 9.38% |
| Equity / Assets | 7.82% | 7.72% |
Profitability
| Metric | Abbybank | Wellington State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.69% | 1.19% |
| Return on Equity (ROE) | 8.90% | 15.66% |
| Net Interest Margin (NIM) | 3.32% | 3.70% |
| Yield on Earning Assets | 4.97% | 5.47% |
| Cost of Funds | 1.70% | 1.81% |
Asset quality
| Metric | Abbybank | Wellington State Bank |
|---|---|---|
| Texas Ratio | 13.45% | 42.62% |
| Non-Performing Loan Ratio | 1.58% | 6.57% |
| Non-Performing Asset Ratio | 1.12% | 3.45% |
| Net Charge-Off Ratio | 0.00% | 0.05% |
| ACL / Loans | 1.17% | 1.43% |
Balance sheet
| Metric | Abbybank | Wellington State Bank |
|---|---|---|
| Total Assets | $650,667K | $650,168K |
| Total Deposits | $565,305K | $590,317K |
| Total Loans | $424,656K | $341,589K |
| Total Equity | $50,877K | $50,184K |
| Net Income (quarter) | $1,127K | $1,969K |
Liquidity & funding
| Metric | Abbybank | Wellington State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 75.12% | 57.87% |
| Core Deposit Ratio | 88.89% | 86.82% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Abbybank | Wellington State Bank |
|---|---|---|
| Headquarters City | ABBOTSFORD | WELLINGTON |
| Headquarters State | WI | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 9 | 14 |
| Employees (FTE) | 109 | 127 |
| Established | March 1, 1968, midnight | Jan. 1, 1906, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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