Wellworth Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 2.11 percentage points lower than in Q1 2026, at 76.20%. Wellworth Bank ranks 43rd of 109 Tennessee banks on return on assets, in the upper half at 1.29% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets; Wellworth Bank reported 1.29% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.79% |
| Tier 1 risk-based capital ratio | 13.79% |
| Total risk-based capital ratio | 14.98% |
| Tier 1 leverage ratio | 9.92% |
| Equity capital to assets | 9.82% |
| Tangible equity to tangible assets | 8.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.51% |
| Non-performing assets ratio | 1.04% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 10.89% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 76.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 13.23% |
| Net interest margin | 3.79% |
| Efficiency ratio | 56.04% |
| Yield on earning assets | 5.93% |
| Cost of funds | 2.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.35% |
| Core deposits to total deposits | 81.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.59% |
| Securities to assets | 22.19% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.72% | 13.72% | 14.87% | 9.72% | 0.92% |
| Q4 2023 | 13.60% | 13.60% | 14.73% | 9.70% | 1.02% |
| Q1 2024 | 13.33% | 13.33% | 14.46% | 9.63% | 0.84% |
| Q2 2024 | 13.24% | 13.24% | 14.38% | 9.62% | 1.06% |
| Q3 2024 | 13.14% | 13.14% | 14.27% | 9.54% | 1.01% |
| Q4 2024 | 13.19% | 13.19% | 14.34% | 9.50% | 1.18% |
| Q1 2025 | 13.28% | 13.28% | 14.43% | 9.55% | 1.03% |
| Q2 2025 | 13.21% | 13.21% | 14.35% | 9.67% | 1.27% |
| Q3 2025 | 13.32% | 13.32% | 14.47% | 9.70% | 1.30% |
| Q4 2025 | 13.53% | 13.53% | 14.68% | 9.83% | 1.39% |
| Q1 2026 | 13.81% | 13.81% | 14.98% | 9.94% | 1.29% |
| Q2 2026 | 13.79% | 13.79% | 14.98% | 9.92% | 1.29% |
Wellworth Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wellworth Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Wellworth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1711) · FFIEC NIC profile (RSSD 63733)