Wells River Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Wells River Savings Bank is an FDIC-insured savings bank headquartered in Wells River, VT, established in 1892 (FDIC certificate 14136), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $266.9M, up 7.6% from Q2 2025, the 11th largest of 12 banks headquartered in Vermont. Its CET1 capital ratio was 16.19% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14136
- Headquarters
- Wells River, VT
- Established
- 1892
- Total assets, Q2 2026
- $266.9M
- Assets vs Q2 2025
- +7.6%
- CET1 ratio, Q2 2026
- 16.19%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 211674788
- Latest call report
- Q2 2026, FFIEC 051 · Wells River Savings Bank call report
- Asset rank in state
- 11th of 12 in Vermont
Wells River Savings Bank spends more to run itself than most banks of its size. The Wells River, Vermont bank had $267 million in assets at June 30, 2026, up 7.6% from a year earlier. It spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also earns about $0.59 a year on every $100 of assets, about half the median of $1.28 for banks its size.
The commercial and industrial book ($21 million) is worsening: 5.13% of it is past due or on nonaccrual, up from 1.29% a year earlier. Net income for the quarter rose 16% from a year earlier, to $393,000.
As of June 30, 2026, Wells River Savings Bank reported a CET1 capital ratio of 16.19%, a return on assets of 0.59%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 4.67%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Wells River Savings Bank is the 11th largest of the 12 banks headquartered in Vermont. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.8% to $266.9M, loans rose 7.1% and deposits rose 2.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 70.8% of total loans, followed by commercial and industrial loans at 11.2%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in VT; its Wells River 2 offices book 41% of its branch deposits. By the capital ratios in its Q2 2026 call report, Wells River Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 34 Main St N, Wells River, VT 05081
- County
- Orange
- Metro Area
- Lebanon-Claremont, NH-VT
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1892
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 60
- Domestic deposits
- $234.6M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $18K
- Average total assets
- $267.8M
- Average total loans
- $181.3M
- Average interest-bearing deposits
- $166.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- March 31, 1934
- FDIC Cert
- 14136
- Fed RSSD
- 303701
- Website
- www.wellsriversavings.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Wells River Savings Bank's total assets ran between $226.0M (Q3 2023) and $266.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$266.9M total assets against $248.0M; $243.3M total liabilities against $227.3M.
$185.2M net loans and leases against $164.1M; $234.6M total deposits against $212.7M.
$55.5M securities against $58.5M; $10.2M cash and balances due against $10.5M.
$3.3M total interest income against $2.9M; $741K total interest expense against $783K.
$2.6M net interest income against $2.1M.
$331K total noninterest income against $271K; $2.3M total noninterest expense against $2.0M.
$90K provision for credit losses against $114K.
$393K net income against $339K.
0.59% return on assets against 0.55%; 4.02% net interest margin against 3.59%.
16.19% CET1 capital ratio against 16.59%; 10.75% tier 1 leverage ratio against 10.88%.
Inside the full Wells River Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWells River Savings Bank rankings
Its closest position to the top of a national ranking is 682 of 2,134, for CET1 ratio; its furthest is 3,240 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.41% (Q3 2024) to 0.77% (Q3 2025) and its net interest margin ran from 3.59% (Q2 2025) to 4.02% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.19% | 0.59% | 0.63% | 4.67% | 4.02% |
| Q1 2026 | 16.58% | 0.64% | 0.86% | 6.17% | 3.95% |
| Q4 2025 | 16.92% | 0.71% | 1.01% | 7.16% | 3.99% |
| Q3 2025 | 16.67% | 0.77% | 0.81% | 5.82% | 3.88% |
| Q2 2025 | 16.59% | 0.55% | 0.65% | 4.81% | 3.59% |
| Q1 2025 | 17.49% | 0.64% | 0.61% | 4.51% | 3.82% |
| Q4 2024 | 17.29% | 0.70% | 0.78% | 5.95% | 3.83% |
| Q3 2024 | 16.96% | 0.41% | 0.72% | 5.34% | 3.62% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| West Side Branch | Wells River , VT | 05081 | $94.7M |
| Bradford Branch | Bradford , VT | 05033 | $74.3M |
| East Thetford Branch | East Thetford , VT | 05043 | $27.3M |
| Fairlee Branch | Fairlee , VT | 05045 | $24.6M |
| Newbury Branch | Newbury , VT | 05051 | $11.6M |
| Wells River Savings Bank (main office) | Wells River , VT | 05081 | $2.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 13, 1981 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 13, 1981 | Structure Change | Acquired The National Bank of Newbury at Wells River Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.2% of deposits in VT, rank 18 of 24 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $175K approved, $88K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Wells River Savings Bank
What are Wells River Savings Bank's total assets?
As of the Q2 2026 filing, Wells River Savings Bank reported total assets of $266.9 million in its FFIEC call report.
Where is Wells River Savings Bank headquartered?
It is headquartered in Wells River, VT, United States.
When was Wells River Savings Bank founded?
It was established in 1892, per the FDIC institution directory.
Is Wells River Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #14136). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wells River Savings Bank?
Wells River Savings Bank's primary federal regulator is the FDIC.
What is Wells River Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.19% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Wells River Savings Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wells River Savings Bank's Texas Ratio?
Its Texas Ratio is 4.67% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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