Wells River Savings Bank
Wells River, VT · Cert 14136 · Peer group: banks under $1B in assets operating in a single state (n=751-755)
SI · FDIC · 6 branches
Q2 2026
$266.9MAssets
$186.8MLoans
$234.6MDeposits
$23.6MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 69% of banks under $1B in assets operating in a single state (rank 237 of 755).
- Widest gap: efficiency ratio trails 83% of banks under $1B in assets operating in a single state (rank 631 of 755).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.60%
Rank 614 of 755
Net Interest Margin
3.76%
Rank 349 of 755
Efficiency Ratio
80.82%
Rank 631 of 755
Equity / Assets
8.84%
Rank 576 of 755
Non-interest income vs. expense
Unfavorable gap of $7.9M · efficiency ratio beats 17% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.72% | 1.06% | 1.45% | Beats 19% | 614 / 755 | |
| Return on Equity | 6.83% | 6.66% | 10.44% | 13.61% | Beats 26% | 556 / 755 | |
| Net Interest Margin | 3.76% | 3.15% | 3.68% | 4.17% | Beats 54% | 349 / 755 | |
| Efficiency Ratio | 80.82% | 55.75% | 64.78% | 75.61% | Beats 17% | 631 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.09% | 0.42% | 1.05% | Beats 40% | 451 / 751 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 50% | 376 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 16.19% | 11.56% | 13.81% | 17.74% | Beats 69% | 237 / 755 | |
| Total Risk-Based Capital Ratio | 17.13% | 11.72% | 14.46% | 18.53% | Beats 69% | 231 / 755 | |
| Equity / Assets | 8.84% | 8.93% | 10.56% | 13.13% | Beats 24% | 576 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 79.63% | 62.43% | 78.62% | 91.00% | 52nd pctl | 364 / 755 | |
| Loans / Assets | 70.01% | 54.70% | 67.27% | 76.55% | 57th pctl | 326 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |