Total Assets
$252M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$220M
Customer-funded liabilities
Net Loans
$172M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
23rd percentile nationally
0.68%
Return on Equity (ROE)
8.05%
Efficiency Ratio
80.37%
What the numbers say about Wells River Savings Bank
Wells River Savings Bank is an FDIC-insured institution (Certificate #14136) headquartered in Wells River, Vermont, established in 1892. It holds $252M in total assets - 2,723rd of 4,313 FDIC-insured banks, $220M in customer deposits, and $172M in net loans. Looking at capital strength, Tier 1 stands at 16.92%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 7.16%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (70/100), 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 Vermont, Wells River Savings Bank ranks 11th of 12 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Vermont by total assets
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.
Other banks in Vermont
All Vermont banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Wells River Savings Bank's health grade?▼
Wells River Savings Bank receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Wells River Savings Bank?▼
Wells River Savings Bank holds $252M in total assets and $220M in deposits, ranking 2,723rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Wells River, Vermont.
Is my money safe at Wells River Savings Bank?▼
Yes, deposits at Wells River Savings Bank (Certificate #14136) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Wells River Savings Bank's Tier 1 Capital Ratio?▼
Wells River Savings Bank has a Tier 1 Capital Ratio of 16.92%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Wells River Savings Bank?▼
Wells River Savings Bank has a Texas Ratio of 7.16%. 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 Wells River Savings Bank?▼
Wells River Savings Bank has an Efficiency Ratio of 80.37%. 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 Wells River Savings Bank's profile as a depositor or analyst.
- Wells River Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Wells River Savings Bank against other Vermont banks before moving funds. Vermont 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.