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
Unfavorable gap of $7.9M · efficiency ratio beats 16% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.72% | 1.06% | 1.45% | Beats 19% | 605 / 746 | | |
| Return on Equity | 6.83% | 6.74% | 10.51% | 13.63% | Beats 26% | 553 / 746 | | |
| Net Interest Margin | 3.76% | 3.17% | 3.68% | 4.16% | Beats 54% | 345 / 746 | | |
| Efficiency Ratio | 80.82% | 55.74% | 64.58% | 75.47% | Beats 16% | 628 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.09% | 0.42% | 1.07% | Beats 41% | 443 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 49% | 382 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 16.19% | 11.55% | 13.75% | 17.60% | Beats 69% | 232 / 746 | | |
| Total Risk-Based Capital Ratio | 17.13% | 11.71% | 14.33% | 18.43% | Beats 70% | 225 / 746 | | |
| Equity / Assets | 8.84% | 8.90% | 10.51% | 13.06% | Beats 24% | 567 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.63% | 61.31% | 78.27% | 90.78% | 53rd pctl | 353 / 746 | | |
| Loans / Assets | 70.01% | 53.60% | 66.97% | 76.08% | 57th pctl | 318 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |