Total Assets
$653M
Total balance-sheet footings
FDIC Cert #1219 · Wellington, Texas · Est. 1906
Wellington State Bank - FDIC Bank Health Profile
A community-scale look at Wellington State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $653M
- Total assets
- C
- Health grade · Fair
- 0.87%
- Return on assets
- 15.5%
- Tier 1 capital
Data updated July 2026
The verdict
Wellington State Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 15.55% Tier 1, 0.87% ROA, 74% efficiency ratio.
- #1,459
- largest of 4,313 FDIC banks by assets
- 66th
- percentile by asset size, nationally
- 15.55%
- Tier 1 ratio - above the 10% well-capitalized line
- 34th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Wellington State Bank's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Wellington State Bank's composite health score
Tier 1 Capital Ratio (15.55%) 40/40
Return on Assets (ROA) (0.87%) 14/25
Texas Ratio (45.31%) 4/20
Efficiency Ratio (73.58%) 4/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$593M
Customer-funded liabilities
Net Loans
$344M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Wellington State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Wellington State Bank's score of 62/100 falls in the highlighted band.
Wellington State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Wellington State Bank's $653M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.55% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.55%
Texas Ratio
45.31%
Equity Capital
$50M
Profitability metrics
Return on Assets (ROA)
34th percentile nationally
0.87%
Return on Equity (ROE)
12.13%
Efficiency Ratio
73.58%
What the numbers say about Wellington State Bank
Wellington State Bank is an FDIC-insured institution (Certificate #1219) headquartered in Wellington, Texas, established in 1906. It holds $653M in total assets - 1,459th of 4,313 FDIC-insured banks, $593M in customer deposits, and $344M in net loans. Looking at capital strength, Tier 1 stands at 15.55%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 45.31%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (62/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Texas, Wellington State Bank ranks 134th of 350 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$31M
Interest Income
$3M
Non-Interest Income
$17M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Wellington State Bank reports a Texas Ratio of 45.31% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
45.31% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Wellington State Bank (FDIC Cert #1219) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is Wellington State Bank's health grade?▼
Wellington State Bank receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Wellington State Bank?▼
Wellington State Bank holds $653M in total assets and $593M in deposits, ranking 1,459th of 4,313 FDIC-insured banks by asset size. It is headquartered in Wellington, Texas.
Is my money safe at Wellington State Bank?▼
Yes, deposits at Wellington State Bank (Certificate #1219) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Wellington State Bank's Tier 1 Capital Ratio?▼
Wellington State Bank has a Tier 1 Capital Ratio of 15.55%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Wellington State Bank?▼
Wellington State Bank has a Texas Ratio of 45.31%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Wellington State Bank?▼
Wellington State Bank has an Efficiency Ratio of 73.58%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Wellington State Bank's profile as a depositor or analyst.
- Wellington State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Wellington State Bank against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.