# WELLWORTH BANK
LAFAYETTE, TN · FDIC certificate 1711 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $1.84B | |
| Deposits | $1.54B | |
| Loans and leases | $1.27B | |
| Total equity | $180.5M | |
| Loans / deposits | 81.41% (p36 of band) | 87.10% |
| Liquid assets / assets | 26.42% (p68 of band) | |
| Uninsured deposits / deposits | 29.42% (p45 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.06% (p51 of band) | |
| FHLB advances / assets | 6.06% | |
| Tier 1 leverage | 9.92% (p34 of band) | 10.50% |
| Unrealized securities loss / equity | -11.97% (p35 of band) | -7.75% |
| AOCI / equity | -1.00% (p18 of band) | |
| ROA (annualized) | 1.30% (p55 of band) | 1.26% |
| Net interest margin | 3.84% (p59 of band) | 3.70% |
| Efficiency ratio | 57.32% (p43 of band) | |
| Noncurrent loans | 1.39% (p81 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p53 of band) | |
| Reserve coverage of noncurrent | 82.25% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 120.56% (p94 of band) | |
| Auto loans | $12.4M (0.98% of loans; DQ 2.80%, NCO 0.00%) | |
| Loans to nondepository financials | $2.2M (1% of equity) (p76 of band) | |
| Deposits YoY | 8.1% | |
| Employees | 258 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 0 |  | reserve under noncurrent, capital falling |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | noncurrent p90 |  |
| 2016-09 | 3 | uninsured deposits leaving |  |
| 2016-12 | 2 |  | uninsured deposits leaving |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | noncurrent p90 |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 | capital falling | noncurrent p90, reserve under noncurrent |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 | uninsured deposits leaving | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity | uninsured deposits leaving |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | construction >100% equity |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | reserve under noncurrent |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-05-04 [Wellworth Bank BizSpotlight - The Business Journals](https://news.google.com/rss/articles/CBMihgFBVV95cUxNUTdkYlpMdVVnTDdjeXk1THI2WW1FYWtERzZ5RWNIUnRnU2I1VzhnR3FRdDZzZzg0eWJFenNaUTloVm9lTmxQd21Fd192eWcycng4UDJOekE1c0JWcGE2VXpkaHFoclYzTGpyeXltUEkxRnVmb2w1cVo0YURNWmF2UFl0UHJxUQ?oc=5) · The Business Journals
- 2026-07-16 [Wellworth Bank BizSpotlight - The Business Journals](https://news.google.com/rss/articles/CBMihgFBVV95cUxQVUlocVJvU2Z0dFQwSlB1aWpFUldTTFFuaExSbUJCeVBncm1kMTBJUjZJdFFPcTEtOENGWlppVU03YXE0YmhxaGJoNm4wRVkwb3pSV2p3MXAyWnpDU0NOeUduWEp6aURXdHgzTk5hTml5MGFRYTdveXdBUUJGV0tOYllWcWY1UQ?oc=5) · The Business Journals
- 2025-12-02 [Citizens Bank of Lafayette Becomes Wellworth Bank - The Business Journals](https://news.google.com/rss/articles/CBMihgFBVV95cUxQVGowRUZFdlVsa1Zzb19rWXdOZl9IR3hHR19oNlphZElYY3R5V3pmU3VndWtoNTZIeDNfZkRTTFdiTUxoR0dPWG53bXlJd08yRlpKb0RmdE9zNFRrTklsS0hRZ3ZmTjZkVTRxN0E1bnFabFhLWHpPSWR0dHQwZlFoN1hjbW96UQ?oc=5) · The Business Journals
- 2026-07-07 [Coffee County Schools Releases Supply Lists for Upcoming School Year - Thunder Radio](https://news.google.com/rss/articles/CBMimAFBVV95cUxPbk9KYm5PMzR2Q2QtR2hXQjB5enZxbnd0M0g0X3c1bXEwYUFFOV85NGZoNnlxZEZMVmhzWVJ2XzdPeVI4WV8xcHdfNk9JVnlxU1VVcVpCV2lRZEFiLVhRZTQxb3lObldFRmdlMmtUckJKVTNzQkNEZVpqSzNURnBkWVVXOVZRLVBSOEdHRTh0ZEg1dG9ZZVRiX9IBngFBVV95cUxPQmItbEU1d0Q0OE5TYjZ6WHdOb3VydzBFcU0zclZDZnFjYnhJNVBwSnQ2cWJSTGZUNGVOQjloV0NRQkZyR2ozWHNCdkVKQnkybXlxNnQ5STlsa0FwR1Q3cU0wS2FCaXBSbHFYN3FhSFFxd0RqVGxpT0tBejNhSjdIaWx4cU91Z3ZYYkxfdEl2d2NuempOVWpfdDJFaWZKdw?oc=5) · Thunder Radio
- 2026-09-08 [Mobile library in school bus receives donations from local businesses - Lebanon Democrat](https://news.google.com/rss/articles/CBMi_AFBVV95cUxQdTNEV2xQbmFTMUVHT0JWVzRXVEJRNWo3QmtaTkhhVmZwQnYyNnU1dUJIM2RPakpPdXdIWFMtVXVpYU1DOGlLOVVWYUphMUZoNTN3dkQwRVN5ZC1DYkdqTTNXc1JmckhuaHJURkhFalRqaUpHQjNJb3Fzd1FmcjlHNEdOaktNQnN2djFDUmdtY1BOVFhwdnVmVkxLMGtxcVNQTUdIZHQ5REk2UXFtYzMxdFc2WEhWQVNpem05NzYtYmMyVlVLWjREaUdVem01V0hUUlRrRENfV20wV1dyVlN4dHAtMGk5SGxaTTVaUFl5NW5ib2V0WnNMVGtMbzQ?oc=5) · Lebanon Democrat
- 2026-06-11 [50th Annual Macon County Hillbilly Days, June 18-20 - Macon County Chronicle](https://news.google.com/rss/articles/CBMioAFBVV95cUxQSzNPMG1iUUtOWHVLYTllTTE2MU5BMVlpS2FVSW9WTHJsQXdRcmE1UTV0cGU0MVhvVDlfaHZZcjdQM3c1Nmt3OVFsTWJydTU3SjlQVVN5QkoxbXF5aHJNbEJFck9NM096S0tXZlY4NE5qOEo2UXE1c3prV0lfUHpMRW9qaldJcHVyc3FVUUktLTlkTkhYTW1wbnpLbXA0WGIy?oc=5) · Macon County Chronicle
- 2026-03-26 [Roxy Ann Hoots Obituary (2026) - Tullahoma, TN - Kilgore Funeral Home, LLC - Tullahoma - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE5iV1BDbXVXQWZiYklrQ3d4NUtMc05lamxwTDVrTFZGMFJrZjl1Ykg4akhid2Z4aG5zZ1JGdUF3WW4wMG12WUFXWVlzODlyX0kyVktxZWFyTzNYMThnTXZUSFBCZWtmVGhYYkJYcGQ1V1NtT3M4TDBaTXVPVm9Rdw?oc=5) · legacy.com
- 2026-01-18 [Firefighter Steven Phalin Gets DeKalb Fire Department’s Highest Award - WJLE Radio](https://news.google.com/rss/articles/CBMilAFBVV95cUxQNTlLamhIUW50bnVFMjkzcjRqaUNJTmZQTzJNTlcyVDZDekdJS0V3czNxYy00NVRHXzE3cXVsN0h6bUE1ek5zc0g4R0JEZzdLVlFMb24zeGpTc2NYNXZvTXhYbnlOQUhveEU2RmFmWHBjaUlVeWE5YUEtV3FVd2pYY0llT3RZaENOemdONkY3bUVuY21E?oc=5) · WJLE Radio

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1711 (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/47.json (key "1711", 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.

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