Wells River Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 3.83 percentage points higher than in Q1 2026, at 11.65%. On loan-to-deposit ratio, Wells River Savings Bank is 3rd from the bottom among 12 Vermont banks, 79.63% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Wells River Savings Bank reported 79.63% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $186.8M |
| Net loans and leases | $185.2M |
| Loans held for sale | $0 |
| Loans to total assets | 70.01% |
| Loan-to-deposit ratio | 79.63% |
| Net loans to equity capital | 7.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.76% |
| Multifamily (5+ residential) | 2.05% |
| Commercial and industrial | 11.17% |
| Consumer | 7.67% |
| Credit cards | 0.00% |
| Farm | 0.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 50.44% |
| Construction concentration (Tier 1 capital + allowance) | 11.65% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $2.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $146.7M | $193.0M | 8.12% | 9.58% | 10.04% |
| Q4 2023 | $153.0M | $193.8M | 7.89% | 9.46% | 9.62% |
| Q1 2024 | $153.2M | $196.2M | 7.74% | 9.43% | 9.53% |
| Q2 2024 | $155.7M | $196.1M | 7.43% | 9.68% | 9.56% |
| Q3 2024 | $158.6M | $200.1M | 7.24% | 9.41% | 9.56% |
| Q4 2024 | $157.8M | $204.7M | 7.18% | 10.58% | 9.44% |
| Q1 2025 | $159.7M | $203.9M | 7.23% | 9.73% | 9.23% |
| Q2 2025 | $165.8M | $212.7M | 6.69% | 9.93% | 9.15% |
| Q3 2025 | $169.4M | $219.3M | 6.62% | 10.26% | 8.74% |
| Q4 2025 | $173.7M | $219.7M | 6.35% | 10.64% | 8.63% |
| Q1 2026 | $174.4M | $228.1M | 6.46% | 10.29% | 8.29% |
| Q2 2026 | $186.8M | $234.6M | 5.76% | 11.17% | 7.67% |
Wells River Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wells River Savings Bank, freeSource: Call Report Schedule RC-C, 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)