Wellworth Bank
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Data as of · sourced from FFIEC call reports. How we update
Wellworth Bank is an FDIC-insured commercial bank headquartered in Lafayette, TN, established in 1909 (FDIC certificate 1711), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.84B, up 7.3% from Q2 2025, the 14th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 13.79% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1711
- Headquarters
- Lafayette, TN
- Established
- 1909
- Total assets, Q2 2026
- $1.84B
- Assets vs Q2 2025
- +7.3%
- CET1 ratio, Q2 2026
- 13.79%
- Domestic offices
- 20 FDIC institution directory, current count
- Routing number
- 064102740
- Latest call report
- Q2 2026, FFIEC 041 · Wellworth Bank call report
- Holding company
- CITIZENS BANCORP INVESTMENT, INC.
- Asset rank in state
- 14th of 109 in Tennessee
Problem loans are rising at Wellworth Bank. Its balance sheet stood at $1.8 billion at June 30, 2026, up 7.3% from a year earlier; it is based in Lafayette, Tennessee. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.39% of loans from 0.49% a year earlier. It carries problem assets equal to 9.9% of the capital and reserves that would absorb them, about triple the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets.
Its $153 million non-owner-occupied commercial real estate book is improving, with 7.58% past due or on nonaccrual, down from 8.14% a year earlier.
As of June 30, 2026, Wellworth Bank reported a CET1 capital ratio of 13.79%, a return on assets of 1.29%, a nonperforming-loan ratio of 1.39% and a Texas ratio of 9.90%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Wellworth Bank is the 14th largest of the 109 banks headquartered in Tennessee. Between Q1 2026 and Q2 2026, its total assets rose 3.5% to $1.84B, loans rose 2.1% and deposits rose 2.3%. 1-4 family residential loans made up 38.1% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 17.2%. Its 20 offices in the FDIC Summary of Deposits are in 16 cities in TN; its Lafayette 3 offices book 23% of its branch deposits. On its Q2 2026 call report, Wellworth Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 400 Highway 52 Byp W, Lafayette, TN 37083
- County
- Macon
- Metro Area
- Nashville-Davidson-Murfreesboro-Franklin, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 1, 1909
- Former names
- Citizens Bank of Lafayette (2015-2025)
- Domestic offices
- 20 FDIC institution directory, current count
- Employees (FTE)
- 258
- Domestic deposits
- $1.54B
- Allowance for credit losses
- $14.5M
- Net charge-offs (YTD)
- $247K
- Average total assets
- $1.83B
- Average total loans
- $1.25B
- Average interest-bearing deposits
- $1.30B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1711
- Fed RSSD
- 63733
- SEC CIK
- 1948955 → filed by CITIZENS BANCORP INVESTMENT, INC.
- Website
- www.wellworth.bank →
- Parent Holding Company
- CITIZENS BANCORP INVESTMENT, INC. (RSSD 1140239)
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, Wellworth Bank's total assets ran between $1.51B (Q3 2023) and $1.84B (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
$1.84B total assets against $1.71B; $1.66B total liabilities against $1.55B.
$1.25B net loans and leases against $1.18B; $1.54B total deposits against $1.42B.
$407.9M securities against $395.4M; $77.8M cash and balances due against $32.1M.
$25.6M total interest income against $24.4M; $9.3M total interest expense against $9.1M.
$16.3M net interest income against $15.3M.
$2.6M total noninterest income against $2.6M; $10.7M total noninterest expense against $9.9M.
$725K provision for credit losses against $900K.
$5.9M net income against $5.5M.
1.29% return on assets against 1.27%; 3.79% net interest margin against 3.80%.
13.79% CET1 capital ratio against 13.21%; 9.92% tier 1 leverage ratio against 9.67%.
Inside the full Wellworth Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Wellworth Bank rankings
Its closest position to the top of a national ranking is 635 of 4,196, for total assets; its furthest is 565 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.01% (Q3 2024) to 1.39% (Q4 2025) and its net interest margin ran from 3.21% (Q3 2024) to 3.82% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.79% | 1.29% | 1.39% | 9.90% | 3.79% |
| Q1 2026 | 13.81% | 1.29% | 1.37% | 9.67% | 3.75% |
| Q4 2025 | 13.53% | 1.39% | 1.29% | 9.14% | 3.81% |
| Q3 2025 | 13.32% | 1.30% | 0.48% | 3.43% | 3.82% |
| Q2 2025 | 13.21% | 1.27% | 0.55% | 3.70% | 3.80% |
| Q1 2025 | 13.28% | 1.03% | 0.59% | 3.93% | 3.42% |
| Q4 2024 | 13.19% | 1.18% | 0.41% | 2.90% | 3.38% |
| Q3 2024 | 13.14% | 1.01% | 0.43% | 3.07% | 3.21% |
Swipe the table sideways to see every column.
Branch Network
View all 20 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 |
|---|---|---|---|
| Wellworth Bank (main office) | Lafayette , TN | 37083 | $221.3M |
| Traders Tullahoma Branch | Tullahoma , TN | 37388 | $170.0M |
| Neal Street Branch | Cookeville , TN | 38501 | $139.5M |
| Am Bk & Tr Cumberlands Branch | Livingston , TN | 38570 | $125.6M |
| Smithville Branch | Smithville , TN | 37166 | $115.6M |
| Gainesboro Branch | Gainesboro , TN | 38562 | $108.3M |
| West Locust Branch | Lafayette , TN | 37083 | $87.9M |
| East Lake Avenue Branch | Celina , TN | 38551 | $87.6M |
| Traders National Bank Branch | Shelbyville , TN | 37160 | $66.7M |
| Carthage Branch | Carthage , TN | 37030 | $65.4M |
| Alexandria Branch | Alexandria , TN | 37012 | $64.4M |
| Westmoreland Branch | Westmoreland , TN | 37186 | $52.7M |
| Lebanon Main Branch | Lebanon , TN | 37087 | $50.6M |
| Scottsville Road Branch | Lafayette , TN | 37083 | $37.2M |
| Merchant Center Branch | Winchester , TN | 37398 | $30.4M |
| Willow Avenue Branch | Cookeville , TN | 38501 | $28.5M |
| Red Boiling Springs Branch | Red Boiling Springs , TN | 37150 | $25.7M |
| Hillsboro Boulevard Branch | Manchester , TN | 37355 | $25.6M |
| Downtown Branch | Lebanon , TN | 37087 | $22.8M |
| Gordonsville Branch | Gordonsville , TN | 38563 | $10.9M |
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 |
|---|---|---|---|
| August 21, 2021 | Structure Change | Acquired American Bank & Trust of the Cumberlands Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 20, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 20, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 18, 2015 | Structure Change | Acquired Traders Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 14, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 14, 2013 | Structure Change | Acquired Liberty State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1987 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in TN, rank 27 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (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 Wellworth Bank
What are Wellworth Bank's total assets?
As of the Q2 2026 filing, Wellworth Bank reported total assets of $1.84 billion in its FFIEC call report.
Where is Wellworth Bank headquartered?
It is headquartered in Lafayette, TN, United States.
When was Wellworth Bank founded?
It was established in 1909, per the FDIC institution directory.
Is Wellworth Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1711). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wellworth Bank?
Wellworth Bank's primary federal regulator is the FDIC.
What is Wellworth Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.79% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Wellworth Bank operate?
It operates 20 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wellworth Bank's Texas Ratio?
Its Texas Ratio is 9.90% 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.
What was Wellworth Bank previously called?
The charter now named Wellworth Bank has also operated as Citizens Bank of Lafayette (2015-2025), per FDIC structure-change records.
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