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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 $14.5MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $166.8M29%Noninterest $67.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.60%, up 4 bps year over year; NIM at 3.85%.
  • 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.

Return on Assets (quarter, annualized)

0.60%+4 bps YoY

Net Interest Margin (quarter, annualized)

3.85%+40 bps YoY

Efficiency Ratio (quarter, annualized)

79.94%-323 bps YoY

Tier 1 Leverage Ratio

10.75%-13 bps YoY

NIM

4.62%Q2 ’244.71%Q2 ’254.95%Q2 ’26+1%+12%

Non-interest income vs. expense

3.22%Q2 ’243.23%Q2 ’253.47%Q2 ’26+5%+7%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.72%0.65%0.56%0.78%0.74%0.65%0.60%+4 bps
Return on Equity5.28%8.79%7.95%6.66%9.18%8.32%7.25%6.78%+12 bps
Net Interest Margin3.47%3.66%3.69%3.44%3.73%3.83%3.79%3.85%+40 bps
Efficiency Ratio80.34%76.80%80.39%83.17%78.67%79.59%81.75%79.94%-323 bps
Non-Interest Burden2.66%2.72%2.87%2.79%2.82%2.95%3.01%2.97%+19 bps
Growth
Asset Growth (YoY)5.42%1.65%-0.35%5.67%5.57%5.96%8.91%7.61%+194 bps
Loan Growth (YoY)8.13%3.15%4.25%6.46%6.76%10.09%9.21%12.69%+622 bps
Deposit Growth (YoY)3.63%5.62%3.88%8.48%9.64%7.36%11.91%10.28%+180 bps
Asset Quality
Nonperforming Loans / Loans0.72%0.78%0.61%0.65%0.81%1.01%0.86%0.63%-2 bps
Net Charge-Offs / Loans0.39%0.02%0.05%0.03%0.17%0.03%0.02%0.02%-1 bps
Allowance / Loans1.00%1.04%1.02%1.03%0.94%0.92%0.89%0.89%-14 bps
Allowance Coverage of NPLs1.4x1.3x1.7x1.6x1.2x0.9x1.0x1.4x-0.2x
Capital
Tier 1 Leverage Ratio10.54%10.69%10.94%10.88%10.83%10.77%10.94%10.75%-13 bps
Total Risk-Based Capital18.03%18.38%18.57%17.66%17.66%17.90%17.51%17.13%-53 bps
Equity / Assets8.37%7.96%8.40%8.35%8.68%9.05%8.78%8.84%+49 bps
Liquidity & Funding
Loans / Deposits79.30%77.10%78.33%77.93%77.22%79.06%76.44%79.63%+170 bps
Liquid Assets / Assets2.62%3.38%2.27%3.47%4.10%2.72%5.02%3.13%-35 bps
CRE / Total Capitaln/an/an/an/a60.98%58.79%60.20%n/an/a