Wellworth Bank
Lafayette, TN · Cert 1711 · Peer group: banks $1B-$10B in assets (n=322-328) · Citizens Bcorp Investment Inc.
State charter, non-member · FDIC · 20 branches
Q2 2026
$1.8BAssets
$1.3BLoans
$1.5BDeposits
$180.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 63% of banks $1B-$10B in assets (rank 121 of 328).
- Widest gap: nonperforming loans / loans trails 82% of banks $1B-$10B in assets (rank 265 of 322).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.27%
Rank 149 of 328
Net Interest Margin
3.54%
Rank 147 of 328
Efficiency Ratio
57.49%
Rank 137 of 328
Equity / Assets
9.82%
Rank 195 of 328
Non-interest income vs. expense
Unfavorable gap of $32.4M · efficiency ratio beats 59% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.27% | 0.91% | 1.22% | 1.52% | Beats 55% | 149 / 328 | | |
| Return on Equity | 12.92% | 8.43% | 11.45% | 14.43% | Beats 63% | 121 / 328 | | |
| Net Interest Margin | 3.54% | 3.03% | 3.45% | 3.83% | Beats 55% | 147 / 328 | | |
| Efficiency Ratio | 57.49% | 51.61% | 59.56% | 67.53% | Beats 59% | 137 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.40% | 0.24% | 0.51% | 1.03% | Beats 18% | 265 / 322 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.03% | 0.10% | Beats 52% | 157 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 13.79% | 11.75% | 13.15% | 15.47% | Beats 60% | 132 / 328 | | |
| Total Risk-Based Capital Ratio | 14.98% | 12.63% | 14.15% | 16.46% | Beats 62% | 125 / 328 | | |
| Equity / Assets | 9.82% | 9.15% | 10.33% | 12.01% | Beats 41% | 195 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.35% | 76.63% | 87.92% | 95.36% | 37th pctl | 204 / 323 | | |
| Loans / Assets | 68.84% | 65.18% | 74.15% | 79.98% | 33rd pctl | 219 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |