Wellington State Bank
Wellington, TX · Cert 1219 · Peer group: banks under $1B in assets in TX (n=208-211) · WSB Bancshares Inc.
State charter, Fed member · FED · 14 branches
Q2 2026
$659.7MAssets
$343.6MLoans
$599.4MDeposits
$50.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 65% of banks under $1B in assets in TX (rank 74 of 211).
- Widest gap: nonperforming loans / loans trails 100% of banks under $1B in assets in TX (rank 208 of 208).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.00%
Rank 137 of 211
Net Interest Margin
3.46%
Rank 144 of 211
Efficiency Ratio
64.18%
Rank 106 of 211
Equity / Assets
7.62%
Rank 195 of 211
Non-interest income vs. expense
Unfavorable gap of $13.9M · efficiency ratio beats 50% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.87% | 1.20% | 1.65% | Beats 35% | 137 / 211 | |
| Return on Equity | 13.08% | 7.52% | 11.67% | 14.58% | Beats 65% | 74 / 211 | |
| Net Interest Margin | 3.46% | 3.28% | 3.82% | 4.31% | Beats 32% | 144 / 211 | |
| Efficiency Ratio | 64.18% | 53.01% | 64.18% | 73.65% | Beats 50% | 106 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.27% | 0.01% | 0.30% | 1.10% | Beats 0% | 208 / 208 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.06% | Beats 29% | 148 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 16.54% | 11.72% | 14.45% | 19.57% | Beats 63% | 78 / 211 | |
| Total Risk-Based Capital Ratio | 17.79% | 11.94% | 14.78% | 20.30% | Beats 65% | 74 / 211 | |
| Equity / Assets | 7.62% | 9.41% | 11.06% | 12.94% | Beats 8% | 195 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 57.31% | 45.39% | 66.56% | 82.03% | 35th pctl | 135 / 208 | |
| Loans / Assets | 52.07% | 39.13% | 56.90% | 70.46% | 38th pctl | 131 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |