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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