Wells River Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Accumulated other comprehensive income rose 7.4% in Q2 2026 to -$5.2M, the biggest move on this page. Wells River Savings Bank ranks 5th of 10 Vermont banks on CET1 ratio, in the upper half at 16.19% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Wells River Savings Bank sits 1.12 points higher, at 16.19% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.19% |
| Tier 1 risk-based capital ratio | 16.19% |
| Total risk-based capital ratio | 17.13% |
| Tier 1 leverage ratio | 10.75% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $28.8M |
| Tier 1 capital | $28.8M |
| Total risk-based capital | $30.5M |
| Total equity capital | $23.6M |
| Risk-weighted assets | $177.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.84% |
| Tangible equity to tangible assets | 8.84% |
| Equity capital to average assets | 8.81% |
| Internal capital growth rate | 6.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $28.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.43% | 16.43% | 17.68% | 10.33% | $148.6M |
| Q4 2023 | 16.32% | 16.32% | 17.57% | 10.35% | $150.8M |
| Q1 2024 | 16.42% | 16.42% | 17.55% | 10.34% | $152.6M |
| Q2 2024 | 16.72% | 16.72% | 17.87% | 10.50% | $152.0M |
| Q3 2024 | 16.96% | 16.96% | 18.03% | 10.54% | $151.5M |
| Q4 2024 | 17.29% | 17.29% | 18.38% | 10.69% | $151.4M |
| Q1 2025 | 17.49% | 17.49% | 18.57% | 10.94% | $152.3M |
| Q2 2025 | 16.59% | 16.59% | 17.66% | 10.88% | $162.7M |
| Q3 2025 | 16.67% | 16.67% | 17.66% | 10.83% | $165.2M |
| Q4 2025 | 16.92% | 16.92% | 17.90% | 10.77% | $165.4M |
| Q1 2026 | 16.58% | 16.58% | 17.51% | 10.94% | $171.3M |
| Q2 2026 | 16.19% | 16.19% | 17.13% | 10.75% | $177.9M |
Wells River Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Wells River Savings Bank, freeSource: Call Report Schedule RC-R, 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 Wells River Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14136) · FFIEC NIC profile (RSSD 303701)