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Wells River Savings Bank

Wells River, VT · Cert 14136

SI · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

54

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

16

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wells River Savings Bank

Wells River, VT · Cert 14136

SI · FDIC · 6 branches

Q2 2026

$266.9MAssets
$186.8MLoans
$234.6MDeposits
$23.6MEquity
Loan mix
81%RE $141.2M10%C&I $17.9M8%Consumer $14.5MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $166.8M29%Noninterest $67.8MQ2 2025Q2 2026

NIM

4.54%Q2 ’244.63%Q2 ’254.84%Q2 ’26+3%+6%

Non-interest income vs. expense

3.24%Q2 ’243.26%Q2 ’253.42%Q2 ’26+3%+5%

Executive Summary

  • Earnings: ROA of 0.62%, up 2 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.63% of loans (-2 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.75%, down 13 bps from a year ago.
  • Funding: loans stand at 79.63% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.62%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+23 bps YoY

Efficiency Ratio (YTD, annualized)

80.82%-92 bps YoY

Tier 1 Leverage Ratio

10.75%-13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.66%0.68%0.65%0.62%+2 bps
Return on Equity7.30%7.95%8.05%7.25%6.99%-31 bps
Net Interest Margin3.53%3.54%3.55%3.79%3.76%+23 bps
Efficiency Ratio81.74%80.65%80.37%81.75%80.82%-92 bps
Non-Interest Burden2.80%2.76%2.76%3.01%2.95%+15 bps
Growth
Asset Growth (YoY)5.67%5.57%5.96%8.91%7.61%+194 bps
Loan Growth (YoY)6.46%6.76%10.09%9.21%12.69%+622 bps
Deposit Growth (YoY)8.48%9.64%7.36%11.91%10.28%+180 bps
Asset Quality
Nonperforming Loans / Loans0.65%0.81%1.01%0.86%0.63%-2 bps
Net Charge-Offs / Loans0.04%0.08%0.07%0.02%0.02%-2 bps
Allowance / Loans1.03%0.94%0.92%0.89%0.89%-14 bps
Allowance Coverage of NPLs1.6x1.2x0.9x1.0x1.4x-0.2x
Capital
Tier 1 Leverage Ratio10.88%10.83%10.77%10.94%10.75%-13 bps
Total Risk-Based Capital17.66%17.66%17.90%17.51%17.13%-53 bps
Equity / Assets8.35%8.68%9.05%8.78%8.84%+49 bps
Liquidity & Funding
Loans / Deposits77.93%77.22%79.06%76.44%79.63%+170 bps
Liquid Assets / Assets3.47%4.10%2.72%5.02%3.13%-35 bps
CRE / Total Capitaln/a60.98%58.79%60.20%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Wells River Savings Bank

Wells River, VT · Cert 14136 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SI · FDIC · 6 branches

Q2 2026

$266.9MAssets
$186.8MLoans
$234.6MDeposits
$23.6MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 70% of banks under $1B in assets operating in a single state (rank 225 of 746).
  • Widest gap: efficiency ratio trails 84% of banks under $1B in assets operating in a single state (rank 628 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.60%

Rank 605 of 746

Net Interest Margin

3.76%

Rank 345 of 746

Efficiency Ratio

80.82%

Rank 628 of 746

Equity / Assets

8.84%

Rank 567 of 746

Non-interest income vs. expense

$1.3M$9.2MINCOMEEXPENSE
Unfavorable gap of $7.9M · efficiency ratio beats 16% of banks under $1B in assets operating in a single state
Bank 80.82%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.60%0.72%1.06%1.45%Beats 19%605 / 746
Return on Equity6.83%6.74%10.51%13.63%Beats 26%553 / 746
Net Interest Margin3.76%3.17%3.68%4.16%Beats 54%345 / 746
Efficiency Ratio80.82%55.74%64.58%75.47%Beats 16%628 / 746
Asset Quality
Nonperforming Loans / Loans0.63%0.09%0.42%1.07%Beats 41%443 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 49%382 / 743
Capital
Tier 1 Capital Ratio16.19%11.55%13.75%17.60%Beats 69%232 / 746
Total Risk-Based Capital Ratio17.13%11.71%14.33%18.43%Beats 70%225 / 746
Equity / Assets8.84%8.90%10.51%13.06%Beats 24%567 / 746
Liquidity & Funding
Loans / Deposits79.63%61.31%78.27%90.78%53rd pctl353 / 746
Loans / Assets70.01%53.60%66.97%76.08%57th pctl318 / 746
Brokered Deposits / Depositsn/aNot reported for this institution