FDIC Cert #14136 · Wells River, Vermont · Est. 1892

Wells River Savings Bank - FDIC Bank Health Profile

A community-scale look at Wells River Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$252M
Total assets
B
Health grade · Good
0.68%
Return on assets
16.9%
Tier 1 capital

Data updated July 2026

The verdict

Wells River Savings Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 16.92% Tier 1, 0.68% ROA, 80% efficiency ratio.

#2,723
largest of 4,313 FDIC banks by assets
37th
percentile by asset size, nationally
16.92%
Tier 1 ratio - above the 10% well-capitalized line
23rd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 14136 · VT B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #3038/4307
  • PHOTO-FINISH The Home National Ba… · IN
  • TIER1-WELL 16.9% Tier 1
  • TEXAS-CLEAN 7.2% Texas
  • ROA-THIN 0.68% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Vermont: The Home National Bank of Thorntown, IN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Wells River Savings Bank

Lowest and highest poles plus nearest scored peers outside Vermont, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community Bank of Lo… · LA ·…70/100Five Points Bank of… · NE · …70/100Middletown Valley Bank · MD …70/100The Home National Ba… · IN ·…70/100Wells River Savings… · VT · …70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Wells River Savings Bank · July 2026

Plate reading for Wells River Savings Bank where failures stay rare

Wells River Savings Bank (FDIC Cert #14136) carries a PlainBankData health grade of B at 70/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,038 of 4,307. Tier 1 capital prints at 16.92%, clearing the 10% well-capitalized line. The Texas Ratio is 7.16%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.68%. Balance-sheet scale is $252M, 2,723rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Home National Bank of Thorntown (IN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Wells River Savings Bank

Zero FAILURE resolutions in Vermont since 2000

Wells River Savings Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST NATIONAL BANK OF VERMONT BRADFORD, VT 1993 → NEW FIRST NB OF VERMONT
  • VALLEY BANK WHITE RIVER JUNCTION, VT 1991 → VERMONT NATIONAL BANK
  • THE POULTNEY NATIONAL BANK POULTNEY, VT 1943

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Vermont banks.

How Wells River Savings Bank's 70/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10070/100
Wells River Savings Bank's composite health score
Tier 1 Capital Ratio (16.92%) 40/40
Return on Assets (ROA) (0.68%) 14/25
Texas Ratio (7.16%) 16/20
Efficiency Ratio (80.37%) 0/15

70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$252M

Total balance-sheet footings

Total Deposits

$220M

Customer-funded liabilities

Net Loans

$172M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.52% 16.92% 18.32%
Basel III capital ratios - Wells River Savings Bank

Where Wells River Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Wells River Savings Bank's score of 70/100 falls in the highlighted band.

Wells River Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 29th percentile higher than 29% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Wells River Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Wells River Savings 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). Wells River Savings Bank's $252M falls in the highlighted band.

Safety metrics: Wells River Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

16.92% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.92%
Texas Ratio
7.16%
Equity Capital
$23M

What these ratios mean →

Profitability metrics: Wells River Savings Bank

Return on Assets (ROA)
23rd percentile nationally
0.68%
Return on Equity (ROE)
8.05%
Efficiency Ratio
80.37%

What these mean →

Income & expense at Wells River Savings Bank

$12M
Interest Income
$1M
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Wells River Savings Bank reports a Texas Ratio of 7.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.16% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Wells River Savings Bank on FDIC BankFind →

Top banks in Vermont by total assets

Largest banks headquartered in Vermont
  1. 1
    Union Bank $1.6B

    Morrisville, VT · Grade C

  2. 2
    Northfield Savings Bank $1.6B

    Northfield, VT · Grade C

  3. 3
    Community National Bank $1.3B

    Derby, VT · Grade A

  4. 4
    Ledyard National Bank $1.1B

    Norwich, VT · Grade B

  5. 5
    Passumpsic Savings Bank $942M

    Saint Johnsbury, VT · Grade B

Top 5 banks in Vermont ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($252M here), outside Vermont so the neighborhood is not state containment.

BankChampaign $252M · IL Citizens Bank & Trust Company $252M · NE The Bank of Monroe $252M · WV Citizens Bank $252M · KY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Wells River Savings Bank (FDIC Cert #14136) - 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.

Wells River Savings Bank Call Report profile · FDIC Failed Bank List · Vermont FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Vermont

All Vermont banks →
BankAssetsGradeROA
Union BankMorrisville $1.6B C 0.77%
Northfield Savings BankNorthfield $1.6B C 0.40%
Community National BankDerby $1.3B A 1.49%
Ledyard National BankNorwich $1.1B B 0.70%
Passumpsic Savings BankSaint Johnsbury $942M B 0.72%
The Bank of BenningtonBennington $637M A 0.89%
The National Bank of MiddleburyMiddlebury $557M B 0.94%
Peoples Trust Company of St. AlbansSaint Albans $384M A 1.09%