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Wells River Savings Bank
Wells River, VT · FDIC Certificate #14136 · Chartered 01/0
Total assets
$266.87M
Total deposits
$234.61M
Total equity
$23.59M
Net loans
$185.17M
Branches (offices)
6
Net income (YTD)
$806.00K
Rank: #2,628 of 4,213 U.S. banks by assets · #11 of 12 in Vermont. Assets changed 7.6% and deposits 10.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.62% |
| Return on equity | 6.99% |
| Net interest margin (YTD) | 4.13% |
| Equity to assets | 8.84% |
| Tier 1 leverage ratio | 10.75% |
| Uninsured deposits (share of deposits) | 6.6% |
| Noncurrent loans (share of loans) | 0.63% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 78.9% |
| Real estate loans (share of loans) | 81.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $150.79M | 81.4% | |
| Commercial & industrial | $20.87M | 11.3% | |
| Consumer / individual | $14.33M | 7.7% | |
| Construction & development | $3.55M | 1.9% | |
| Agricultural | $428.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $222.75M | $202.22M | $347.00K | $16.00M |
| Jun 2023 | $231.43M | $199.03M | $750.00K | $15.83M |
| Jun 2024 | $234.69M | $196.11M | $724.00K | $18.07M |
| Jun 2025 | $247.99M | $212.73M | $726.00K | $20.70M |
| Jun 2026 | $266.87M | $234.61M | $806.00K | $23.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Vermont | $234.61M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $234.61M.
Similar-sized banks
American Bank & Trust Company ($267.05M) · Community First Bank Of The Heartland ($266.76M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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