Is Wells River Savings Bank Safe?
Wells River Savings Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (51/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 16.72% | 100/100 |
| Nonperforming Loan Ratio | 0.48% | 90/100 |
| Liquidity Ratio | 27.73% | 91/100 |
| Return on Assets | 0.77% | 51/100 |
| Total Assets | $0.2B | |
How does Wells River Savings Bank compare?
With a Bank Health Score of 90/100, Wells River Savings Bank sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within Vermont, where 11 FDIC-insured banks are headquartered, Wells River Savings Bank ranks above the state average of 75/100 (Grade B).
The bank's Tier 1 capital ratio of 16.72% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.48% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Wells River Savings Bank's Bank Health Score fell by 1.0 points to 90/100. Tier 1 capital strengthened by 0.29 percentage points to 16.72%. Quarter-over-quarter, the score fell by 2.0 points.
Wells River Savings Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (51/100).