Wellington State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 5.91 percentage points in Q2 2026, from 21.79% to 27.70%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Wellington State Bank is 201st of 345 on return on assets, 1.33% as of Q2 2026, below the middle of the field. Wellington State Bank reported 1.33% on return on assets for Q2 2026, 0.07 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.54% |
| Tier 1 risk-based capital ratio | 16.54% |
| Total risk-based capital ratio | 17.79% |
| Tier 1 leverage ratio | 9.55% |
| Equity capital to assets | 7.62% |
| Tangible equity to tangible assets | 7.28% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 5.27% |
| Non-performing assets ratio | 2.84% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 35.39% |
| Allowance for credit losses to loans | 1.46% |
| Reserve coverage of non-performing loans | 27.70% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.33% |
| Return on equity | 17.66% |
| Net interest margin | 4.03% |
| Efficiency ratio | 63.02% |
| Yield on earning assets | 5.74% |
| Cost of funds | 1.76% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.31% |
| Core deposits to total deposits | 86.97% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.86% |
| Securities to assets | 31.26% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.12% | 13.12% | 14.19% | 9.78% | 0.19% |
| Q4 2023 | 12.85% | 12.85% | 13.96% | 9.38% | 0.32% |
| Q1 2024 | 13.00% | 13.00% | 14.15% | 9.27% | 0.36% |
| Q2 2024 | 12.63% | 12.63% | 13.76% | 9.37% | 0.52% |
| Q3 2024 | 13.84% | 13.84% | 15.05% | 9.53% | 0.72% |
| Q4 2024 | 14.04% | 14.04% | 15.24% | 9.56% | 1.22% |
| Q1 2025 | 14.74% | 14.74% | 15.99% | 9.61% | 0.91% |
| Q2 2025 | 14.98% | 14.98% | 16.13% | 9.80% | 0.96% |
| Q3 2025 | 14.61% | 14.61% | 15.76% | 9.78% | 0.66% |
| Q4 2025 | 15.55% | 15.55% | 16.74% | 9.43% | 0.90% |
| Q1 2026 | 15.91% | 15.91% | 17.16% | 9.38% | 1.19% |
| Q2 2026 | 16.54% | 16.54% | 17.79% | 9.55% | 1.33% |
Wellington State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wellington State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Wellington State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1219) · FFIEC NIC profile (RSSD 371362)