Wells River Savings Bank
Wells River, VT
IDRSSD: 303701
Total Assets
$251.56M
Latest filing
Total Deposits
$219.33M
Latest filing
Net Interest Margin
4.03%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1892 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 05081 |
| State and County Number | 50017 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Lebanon, NH-VT |
Operational Info
| Number of Employees | 52 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 03/31/1934 |
| Primary Insurance Agency | DIF |
| Website | www.wellsriversavings.com |
| Data Updated | 11/14/2025 |
| CERT | 14136 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $251.56M |
| Total Deposits | $219.33M |
| Total Liabilities | $229.71M |
| Total Equity Capital | $21.85M |
| Net Income | $488.00k |
| Net Loans and Leases | $167.77M |
| Assets Per Employee ($Millions) | $4.75M |
| Bank Premises and Fixed Assets | $4.57M |
| Cash and Balances due from Depository Institutions | $12.34M |
| Deposits Held in Domestic Offices | $219.33M |
Key Performance Ratios
| Return on Assets (ROA) | 0.78% |
| Return on Equity (ROE) | 9.18% |
| Net Interest Margin | 4.03% |
| Efficiency Ratio | 78.67% |
| Tier 1 Risk-Based Capital Ratio | 16.668% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.684% |
| Earning Assets to total Assets | 94.16% |
Income and Expense
| Total Interest Income | $3.08M |
| Total Noninterest Income | $343.00k |
| Total Interest Expense | $709.00k |
| Total Noninterest Expense | $2.13M |
| Net Interest Income | $2.37M |
| Pre-tax Net Operating Income | $614.00k |
| Provision for Credit Losses | $-36,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $7.11M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.27M |
| Total Liabilities and Capital | $251.56M |
Securities
| Securities | $56.90M |
| Available-for-sale debt securities | $56.90M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $1.87M |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Wells River Savings Bank?
$251.56M as of the latest filing.
How much are Wells River Savings Bank's total deposits?
$219.33M in total deposits.
Where is Wells River Savings Bank located?
Wells River, VT.
What is the Net Interest Margin?
4.03%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1892.
What is the Return on Assets (ROA)?
0.78%.
How much are total loans and leases?
$167.77M (latest filing).
What is the total interest income (latest filing)?
$3.08M.