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Wellington State Bank

$100M-$1B Specialty: Commercial TX FDIC cert 1219

Wellington, TX

14 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Wellington State Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 0.96% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 5.78% above tier average
  • - Nonperforming Asset Ratio 2.81% above tier average
  • - ROA 0.06% below tier average
  • - Net Interest Margin 0.29% below tier average
Get updates when Wellington State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $650.2M
+9.3% YoY -0.5% QoQ
+$264.1M $386.1M
+0.5% YoY
$2.3B
+1.1% YoY
$6.2B
+9.1% YoY
84%
Total Loans ? $336.7M
-0.6% YoY -2.0% QoQ
+$81.0M $255.7M
+1.1% YoY
$1.1B
+10.2% YoY
$3.2B
+10.8% YoY
73%
Total Deposits ? $590.3M
+8.5% YoY -0.5% QoQ
+$262.3M $328.0M
+0.1% YoY
$1.9B
+3.3% YoY
$4.8B
+8.2% YoY
Top 13.0% in tier
Return on Assets ? 1.21%
+29.5% YoY +39.0% QoQ
-0.06% 1.27%
+12.9% YoY
1.40%
+10.3% YoY
1.23%
+13.4% YoY
51%
Net Interest Margin ? 3.64%
+5.0% YoY +3.7% QoQ
-0.29% 3.93%
+6.0% YoY
4.03%
+2.6% YoY
3.89%
+5.7% YoY
37%
Efficiency Ratio ? 64.32%
-12.0% YoY -12.6% QoQ
-0.96% 65.29%
-4.5% YoY
63.18%
-2.3% YoY
66.95%
-4.1% YoY
47%
Delinquency Rate ? 6.67%
+38.7% YoY -8.3% QoQ
+5.78% 0.89%
+18.8% YoY
0.96%
+36.6% YoY
0.95%
+18.8% YoY
Bottom 0.9% in tier
Loan-to-Deposit Ratio ? 57.04%
-8.4% YoY -1.5% QoQ
-19.60% 76.64%
+0.8% YoY
67.20%
-0.8% YoY
76.70%
+0.9% YoY
84%
Non-Interest-Bearing Deposit Share ? 26.12%
+3.1% YoY -1.4% QoQ
+4.10% 22.02%
-1.0% YoY
29.02%
-1.0% YoY
22.01%
-1.2% YoY
70%
Nonperforming Asset Ratio ? 3.45%
+26.1% YoY -9.7% QoQ
+2.81% 0.64%
+19.7% YoY
0.62%
+31.5% YoY
0.67%
+19.3% YoY
Bottom 2.1% in tier
Tier 1 Capital Ratio ? 15.91%
+7.9% YoY +2.3% QoQ
+0.08% 15.83%
+1.5% YoY
18.04%
+0.0% YoY
17.06%
+0.8% YoY
72%
Non-Interest Income / Assets ? 0.10%
-18.8% YoY -74.5% QoQ
-0.18% 0.28%
+9.3% YoY
0.20%
+4.0% YoY
0.32%
+4.1% YoY
53%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

347
Total Deposits
size
Value: $590.32M
Peer Median: $327.97M
#347 of 2664 Top 13.0% in $100M-$1B
415
Total Assets
size
Value: $650.17M
Peer Median: $386.08M
#415 of 2664 Top 15.5% in $100M-$1B
415
Loan-to-Deposit Ratio
liquidity
Value: 57.04%
Peer Median: 76.64%
#415 of 2664 Top 15.5% in $100M-$1B

Top Weaknesses (2 metrics)

2630
Delinquency Rate
credit_quality
Value: 6.67%
Peer Median: 0.89%
#2630 of 2654 Bottom 0.9% in $100M-$1B
2610
Nonperforming Asset Ratio
credit_quality
Value: 3.45%
Peer Median: 0.64%
#2610 of 2664 Bottom 2.1% in $100M-$1B
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