# WELLS RIVER SAVINGS BANK
WELLS RIVER, VT · FDIC certificate 14136 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $266.9M | |
| Deposits | $234.6M | |
| Loans and leases | $186.8M | |
| Total equity | $23.6M | |
| Loans / deposits | 78.93% (p60 of band) | 73.59% |
| Liquid assets / assets | 24.63% (p31 of band) | |
| Uninsured deposits / deposits | 6.61% (p6 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.91% (p59 of band) | |
| FHLB advances / assets | 1.91% | |
| Tier 1 leverage | 10.75% (p36 of band) | 11.76% |
| Unrealized securities loss / equity | -27.94% (p15 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.62% (p22 of band) | 1.17% |
| Net interest margin | 4.13% (p61 of band) | 3.93% |
| Efficiency ratio | 80.82% (p80 of band) | |
| Noncurrent loans | 0.63% (p60 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p68 of band) | |
| Reserve coverage of noncurrent | 140.83% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 15.04% (p46 of band) | |
| Auto loans | $10.8M (5.77% of loans; DQ 1.37%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.3% | |
| Employees | 60 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 3 | capital falling, charge-offs p90 |  |
| 2015-09 | 2 |  | charge-offs p90 |
| 2015-12 | 2 | expense ratio p90 | capital falling |
| 2016-03 | 3 | charge-offs p90 |  |
| 2016-06 | 4 | deposits shrinking |  |
| 2016-09 | 3 |  | deposits shrinking |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | charge-offs p90 |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 4 | losing money |  |
| 2018-03 | 4 | uninsured deposits leaving | capital falling |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 | capital falling | losing money |
| 2018-12 | 3 |  | uninsured deposits leaving |
| 2019-03 | 3 | wholesale funding >15% | expense ratio p90 |
| 2019-06 | 2 |  | capital falling |
| 2019-09 | 1 |  | wholesale funding >15% |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 1 |  | reserve under noncurrent, capital falling |
| 2020-12 | 0 |  | expense ratio p90 |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | uninsured deposits leaving |  |
| 2021-09 | 1 | capital falling | uninsured deposits leaving |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 | charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 1 |  | charge-offs p90 |
| 2024-09 | 2 | charge-offs p90 |  |
| 2024-12 | 1 |  | charge-offs p90 |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 2 | reserve under noncurrent | securities losses >30% of equity |
| 2026-03 | 1 | securities losses >30% of equity | capital falling, reserve under noncurrent |
| 2026-06 | 0 |  | securities losses >30% of equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-12-23 [Fire destroys Sillycow Farms hot chocolate plant in Wells River - VTDigger](https://news.google.com/rss/articles/CBMinAFBVV95cUxPeFpQakRKSGQ5c3k0eWFOWmdodlJFV2VSY2F5amhQeEhqVzZ1aVhVbXNrQ2xKY0lOSkhrUE02WllscGxGaG9XbTVOdEE0RG9tOFBGT25IRmpxb2RqLVNpTFFVdDBaaU1lTm0zUG4yRDR3Z1g5czh5UDRteWVoNWpmQ1hEOUNzdUQ5RGs0bW1kcGV5SkJIN192YjlUNTY?oc=5) · VTDigger
- 2024-11-07 [Vermont man threw hundreds of nails, screws in parking areas, roadway in Bradford, police say - WPTZ](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNSHlXSExtc1FIbTROVFNhMlktWEg1X0MtdFd1a0RpVE9FSGtmQlFRbk1IUl93N05vN0xPX0JhQzBGVDRCMk1OSHpQbkN0OXJrUWpBSGhJMFdtNWZXc0o3SGxWTkY1dm1uNHBNckVNeGR0NkhZeEtUWThtX25tZDFvZmUyc2VzdllGMi1j?oc=5) · WPTZ
- 2023-10-14 [Barrett promoted to Berlin branch manager at Passumpsic Bank - Vermont Business Magazine](https://news.google.com/rss/articles/CBMilwFBVV95cUxOc2czNnhOVTdwMEk5SFpWSzNUM1R0eHo3Wkhncmo0Vms3MTh3bUlCZDMzV0R3dlY4X0ZXSFNwbmxudm50SjVYTWtlMWVHQXJ6RHRZWkUxQ09qZ3ZVUGdNTm5DLWp6NXFKQ0lPSVlpb0N6cUJsek5TT1ZIaFQxY2JLaE5UcEFqUnktZmF3WGFQNVZIZjBiaDRR?oc=5) · Vermont Business Magazine
- 2012-10-16 [Lorraine Breault - Obituary - caledonianrecord.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxQRl9sNHVaR3Ewby1JMFIzOXBxOTFoc0h0XzFobmxrZ0hiaGZ3SUk2QS1DR1N4cXNQX09HWlpCVExteFU4cXFkRDJlWHRUdm9aM3hPX3FOeWNGVkRDNXY4dTVfVFQ2eVRSLV8xanh4eGVzUUdKSGdMcF91a2NCczdiY2dNOVN2bWlKeHVPNXhEV0tYNWJrMHU2eWZOMkxuNmJKWk5GaUQ2WmFYMVlSQ3d1c09aVWo1c2V0REhpaEdkNVYtSEJnbmc?oc=5) · caledonianrecord.com
- 2017-04-16 [People in Business: April 16, 2017 - Valley News](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE44dUVJb2xnRmRSUmxSZzJ4cXhmWFBITjBYZlBxR1hJYmZOa213VVR3SFhWUlVDT0lxZl9EMHczYWp6eWJMNi1MeUhaWFgxRU0zend2ck5yai1OMmxKVWFkWXQ0LTBIVTg?oc=5) · Valley News
- 2024-11-08 [Man tossed nails and screws onto Main Street - Vermont Daily Chronicle](https://news.google.com/rss/articles/CBMihgFBVV95cUxNRE9tR1IzVHRXMDkzTGtaOXhHMWJKLUhzcUVmLWxBSG56NHVMZ3F4TGh6QkZ4M3BtVlo3cHgyb2xLMW8tVGxvY25xN1JRMzJNTXhrNzBrREVvZHVVblowRTA5c2VwNHZoVVhsLXRmTlg3dHJZYTZmMUh2T0tLQ0R5V3QweEloUdIBiwFBVV95cUxNUFdGTTI0ZjF0bFBWMmRqLVZXcHVCb2tRei1Ca0ZBZlpkRzNUUi0wV1pLSzN3M3pkWm5ZV2h0S3F1UVBNallpNnFkUGl6bjc5U3ZGanNQdkhKdVVFQ2tXaUhzQ2Z1Yy1CV25VbHplZXJiUkktUXFnakY0UUZmOURsNl9Uc0JXOFVBOEpB?oc=5) · Vermont Daily Chronicle
- 2024-08-16 [Marion Zambon - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNaDF1eTk1M2VhT05VWXlLM0R4bDhwLUNHVVFRNnlCUXhyTDRuNmZPdE1SSHB3b1ZBSW53UDdsaEVhMXE5QlNiRjJCVXZnaVRlY1RiSXdJUnVKUjlLR0ZCTGxQNUdrOUpNcFhhOXRueFViLTBjd0lBY1FGNHYtUkxsbzRmRHB2elZROFcwdEc0OTU?oc=5) · legacy.com
- 2018-04-22 [New officers and directors elected for Vermont Insurance Agents Association - Vermont Business Magazine](https://news.google.com/rss/articles/CBMirwFBVV95cUxOUUtSNnd3VUxtYmN0aDJVN3YzV3EzdTh5SktxZDhYR29ST0V0Wk9FVGt6WER4Rk0zdk5DU0UtSGVrWnV5Sk00TjViSXNNMmc4cmxIbjMzWXJjaHhaT1g3Y0xUSTFETDVoVkRFRTAzTV9pOTRxRlpYU0dIQTZhUnNmeVJSWnVjVU5fbFpiNDU3UXUyMkJuVkNqMURQY2E1WmVRcXAtREdVWGQ1bExwM1dZ?oc=5) · Vermont Business Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14136 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/56.json (key "14136", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide