Wells River, VT · Cert 14136
SI · FDIC · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.78% | 0.74% | 0.65% | 0.60% | +4 bps | |
| Return on Equity | 6.66% | 9.18% | 8.32% | 7.25% | 6.78% | +12 bps | |
| Net Interest Margin | 3.44% | 3.73% | 3.83% | 3.79% | 3.85% | +40 bps | |
| Efficiency Ratio | 83.17% | 78.67% | 79.59% | 81.75% | 79.94% | -323 bps | |
| Non-Interest Burden | 2.79% | 2.82% | 2.95% | 3.01% | 2.97% | +19 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 / Loans | 0.65% | 0.81% | 1.01% | 0.86% | 0.63% | -2 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.17% | 0.03% | 0.02% | 0.02% | -1 bps | |
| Allowance / Loans | 1.03% | 0.94% | 0.92% | 0.89% | 0.89% | -14 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.2x | 0.9x | 1.0x | 1.4x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.88% | 10.83% | 10.77% | 10.94% | 10.75% | -13 bps | |
| Total Risk-Based Capital | 17.66% | 17.66% | 17.90% | 17.51% | 17.13% | -53 bps | |
| Equity / Assets | 8.35% | 8.68% | 9.05% | 8.78% | 8.84% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.93% | 77.22% | 79.06% | 76.44% | 79.63% | +170 bps | |
| Liquid Assets / Assets | 3.47% | 4.10% | 2.72% | 5.02% | 3.13% | -35 bps | |
| CRE / Total Capital | n/a | 60.98% | 58.79% | 60.20% | n/a | n/a | |