Wellington State Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs fell to 5.27% from 6.57% in the prior period. Wellington State Bank is an FDIC-insured commercial bank. The Q2 2026 balance sheet stands at $660M in assets, including $344M in loans. Returns are notably above industry norms: 1.33% ROA, 17.66% ROE, and 4.03% NIM. Capital is comfortably above regulatory requirements, CET1 ratio of 16.54% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is impaired, with nonperforming loans at 5.27%. Wellington State operates a 14-branch network.
As of June 30, 2026, Wellington State Bank reported a CET1 capital ratio of 16.54%, a return on assets of 1.33%, a nonperforming-loan ratio of 5.27%, a Texas ratio of 35.39%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1000 8th St, Wellington, TX 79095
- County
- Collingsworth
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Offices
- 14 domestic
- Employees (FTE)
- 119
- Domestic deposits
- $599.4M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- $102K
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1219
- Fed RSSD
- 371362
- SEC CIK
- 1477149 → filed by WSB BANCSHARES, INC.
- Website
- wellingtonsb.bank →
- Parent Holding Company
- WSB BANCSHARES, INC. (RSSD 2007218)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Wellington State Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Wellington State 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.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
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.
Wellington State Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Wellington State Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.54% | 1.33% | 5.27% | 35.39% | 4.03% |
| Q1 2026 | 15.91% | 1.19% | 6.57% | 42.62% | 3.70% |
| Q4 2025 | 15.55% | 0.90% | 7.17% | 47.38% | 3.46% |
| Q3 2025 | 14.61% | 0.66% | 6.07% | 40.52% | 3.39% |
| Q2 2025 | 14.98% | 0.96% | 2.55% | 39.35% | 3.85% |
| Q1 2025 | 14.74% | 0.91% | 2.71% | 37.42% | 3.54% |
| Q4 2024 | 14.04% | 1.22% | 0.18% | 4.54% | 3.84% |
| Q3 2024 | 13.84% | 0.72% | 0.21% | 16.30% | 3.61% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 14 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Wheeler Branch | Wheeler , TX | 79096 | $113.3M |
| Wellington State Bank (main office) | Wellington , TX | 79095 | $105.5M |
| First National Bank in Dalhart Branch | Dalhart , TX | 79022 | $80.0M |
| Lubbock Branch | Lubbock , TX | 79424 | $47.9M |
| Security State Bank Branch | Littlefield , TX | 79339 | $46.9M |
| The First National Bank of Paducah Branch | Paducah , TX | 79248 | $44.7M |
| Childress Branch | Childress , TX | 79201 | $36.9M |
| Canadian Branch | Canadian , TX | 79014 | $20.5M |
| Memphis Branch | Memphis , TX | 79245 | $20.5M |
| First National Bank of Paducah Branch | Stephenville , TX | 76401 | $19.3M |
| Bowie Branch | Bowie , TX | 76230 | $18.0M |
| Canyon Branch | Canyon , TX | 79015 | $17.4M |
| Olton Branch | Olton , TX | 79064 | $17.2M |
| Granbury Branch | Granbury , TX | 76048 | $11.6M |
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 |
|---|---|---|---|
| November 12, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 12, 2019 | Structure Change | Acquired The First National Bank of Paducah Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 29, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 29, 2016 | Structure Change | Acquired First National Bank in Dalhart Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 20, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 20, 2016 | Structure Change | Acquired Security State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 30, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 30, 1994 | Structure Change | Acquired First National Bank in Wheeler Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Wellington State Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (Federal Reserve)
- September 25, 2009, Federal Reserve: Civil Money Penalty, $3,465: Wellington State Bank, Wellington, Texas
- May 12, 1999, Federal Reserve: Written Agreement: Wellington State Bank, Wellington, TX
- Period: Most recent institution action September 25, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 166 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 58 applications, 47 loans originated, $21.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Wellington State Bank
What are Wellington State Bank's total assets?
As of the Q2 2026 filing, Wellington State Bank reported total assets of $659.7 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Wellington State Bank headquartered?
Wellington State Bank is headquartered in Wellington, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Wellington State Bank founded?
Wellington State Bank was established in 1906, per the FDIC institution directory.
Is Wellington State Bank FDIC-insured?
Yes. Wellington State Bank is an FDIC-insured commercial bank (FDIC Certificate #1219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wellington State Bank?
Wellington State Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Wellington State Bank's CET1 capital ratio?
Wellington State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.54% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Wellington State Bank operate?
Wellington State Bank operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wellington State Bank's Texas Ratio?
Wellington State Bank's Texas Ratio is 35.39% in its Q2 2026 call report, within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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