Wells River Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Wells River Savings Bank of Wells River, VT against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.59% | 1.34% | -0.75% | 16th bottom |
| ROAE | 6.78% | 13.32% | -6.54% | 20th bottom |
| Net Interest Margin | 4.02% | 3.93% | +0.09% | 54th above |
| Efficiency Ratio | 79.94% | 61.13% | +18.81% | 14th bottom |
| PPNR / Avg Assets | 0.87% | 1.68% | -0.81% | 17th bottom |
| Yield on Earning Assets | 5.18% | 5.67% | -0.49% | 30th below |
| Cost of Funds | 1.24% | 1.88% | -0.64% | 83rd top |
| Net Interest Spread | 3.43% | 3.32% | +0.11% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 0.94% | -0.69% | 61st above |
| NPA / Total Assets | 0.17% | 0.70% | -0.53% | 62nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 34th below |
| ACL / Total Loans | 0.89% | 1.28% | -0.39% | 16th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 359.87% | 1539.01% | -1179.14% | 64th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.86% | 7.33% | -2.47% | 42nd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 411.11% | 1395.88% | -984.77% | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.19% | 19.50% | -3.31% | 59th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.19% | 19.54% | -3.35% | 59th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.13% | 20.62% | -3.49% | 57th above |
| Leverage Ratio | 10.75% | 12.14% | -1.39% | 46th below |
| Equity / Assets | 8.84% | 11.37% | -2.53% | 25th below |
| TCE / Tangible Assets | 8.84% | 11.09% | -2.25% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.63% | 80.64% | -1.01% | 52nd above |
| Core Deposit Ratio | 95.21% | 86.86% | +8.35% | 85th top |
| Wholesale Funding Ratio | 1.91% | 5.03% | -3.12% | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.61% | 6.85% | +0.76% | 73rd above |
| Loan Growth (Y/Y) | 12.69% | 7.90% | +4.79% | 81st top |
| Deposit Growth (Y/Y) | 10.28% | 6.29% | +3.99% | 84th top |
See Wells River Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Wells River Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Wells River Savings Bank profile, how to read a UBPR, or how this data updates.