Wells River Savings Bank: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, Wells River Savings Bank's strongest measure in Q2 2026 is net interest margin (4.13% vs. a 3.96% peer median). Its weakest relative measure is assets per employee ($4.4M vs. $6.6M).
| Measure | Wells River Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.62% | 1.29% | Bottom third Ahead of 14% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.13% | 3.96% | Middle third Ahead of 59% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 80.82% | 61.99% | Bottom third Ahead of 12% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.4M | $6.6M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.93% | 77.55% | Context |
What it means for lending operations
Its efficiency ratio of 80.82% is above the 61.99% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- American Bank & Trust Company Opelousas, LA · $267M
- Anahuac National Bank Anahuac, TX · $266M
- Alliance Bank Mondovi, WI · $266M
- The Harrison Building and Loan Association Harrison, OH · $268M
- Bank of Deerfield Deerfield, WI · $268M
- North Valley Bank Thornton, CO · $269M
Questions about Wells River Savings Bank
How big is Wells River Savings Bank?
Wells River Savings Bank, established in 1892, is headquartered in Wells River, VT. It reported $267M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Wells River Savings Bank's return on assets?
0.62% annualized in Q2 2026, against a 1.29% median for 999 U.S. banks with half to twice its assets, ahead of 14% of them.
What is Wells River Savings Bank's efficiency ratio?
80.82% in Q2 2026: it spent about 81 cents in noninterest expense for each dollar of revenue. The peer median is 61.99%, and lower is better.
Is Wells River Savings Bank growing its loans?
Net loans grew 12.9% over the year to Q2 2026, while deposits grew 10.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Vermont bank ranked.