BlastPoint's Banking Scorecard
Wells River Savings Bank
Designations: ✓ Mutual
Wells River, VT
6 branches across VT
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 7 in VT.
- Deposits +10.3% year over year ($234.6M on the books).
- Delinquency rate 0.64%.
- Return on assets 0.62%.
- Efficiency ratio 80.82% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.93% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Wells River Savings Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.14% above tier average
- + Delinquency Rate 0.28% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 23.5% in tier
- - ROA 0.70% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$266.9M
+7.6% YoY
+2.8% QoQ
|
-$119.7M |
$386.6M
+1.2% YoY
|
$744.2M
+4.9% YoY
|
$6.3B
+7.7% YoY
|
40% |
| Total Loans ? |
$185.2M
+12.9% YoY
+7.1% QoQ
|
-$73.2M |
$258.3M
+1.7% YoY
|
$538.3M
+6.1% YoY
|
$3.2B
+9.4% YoY
|
45% |
| Total Deposits ? |
$234.6M
+10.3% YoY
+2.8% QoQ
|
-$92.1M |
$326.7M
+0.7% YoY
|
$606.0M
+4.8% YoY
|
$4.9B
+7.3% YoY
|
42% |
| Return on Assets ? |
0.62%
+3.3% YoY
-3.8% QoQ
|
-0.70% |
1.32%
+10.8% YoY
|
0.88%
+34.8% YoY
|
1.30%
+12.1% YoY
|
16% |
| Net Interest Margin ? |
4.13%
+6.7% YoY
+0.9% QoQ
|
+0.14% |
3.99%
+5.0% YoY
|
3.60%
+8.7% YoY
|
3.95%
+4.9% YoY
|
61% |
| Efficiency Ratio ? |
80.82%
-1.1% YoY
-1.1% QoQ
|
+16.34% |
64.48%
-3.2% YoY
|
75.18%
-3.3% YoY
|
70.05%
+2.5% YoY
|
Bottom 12.8% in tier |
| Delinquency Rate ? |
0.64%
-3.1% YoY
-26.7% QoQ
|
-0.28% |
0.92%
+15.7% YoY
|
0.71%
+15.5% YoY
|
0.98%
+16.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
78.93%
+2.3% YoY
+4.2% QoQ
|
+0.97% |
77.95%
+1.0% YoY
|
86.19%
+1.4% YoY
|
79.03%
+2.3% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
28.90%
-6.1% YoY
+0.3% QoQ
|
+6.87% |
22.03%
-0.6% YoY
|
20.51%
+3.2% YoY
|
21.98%
-0.6% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.44%
+1.6% YoY
-23.7% QoQ
|
-0.23% |
0.67%
+16.4% YoY
|
0.60%
+14.2% YoY
|
0.69%
+15.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
16.19%
-2.4% YoY
-2.4% QoQ
|
+0.28% |
15.91%
+1.4% YoY
|
14.99%
+1.6% YoY
|
17.09%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.24%
+3.0% YoY
+103.8% QoQ
|
-0.33% |
0.57%
+7.6% YoY
|
0.33%
-3.2% YoY
|
0.66%
+5.2% YoY
|
60% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.9%
-1.9pp YoY +0.1pp QoQ |
+6.8pp | 22.1% | 20.5% | 22.2% | 79% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.1% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.3%
+1.2pp YoY +0.9pp QoQ |
-0.3pp | 11.6% | 7.7% | 12.5% | 60% |
| CRE |
9.8%
0.0pp YoY -0.1pp QoQ |
-29.7pp | 39.5% | 36.8% | 41.4% | 5% |
| 1-4 Family |
71.4%
+0.1pp YoY -0.1pp QoQ |
+38.8pp | 32.6% | 53.7% | 31.3% | 94% |
| Consumer |
7.7%
-1.5pp YoY -0.6pp QoQ |
+3.6pp | 4.1% | 2.2% | 5.0% | 88% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.2%
-0.4pp YoY -0.4pp QoQ |
-2.6pp | 18.8% | 15.8% | 19.7% | 59% |
| Leverage Ratio |
10.8%
-0.1pp YoY -0.2pp QoQ |
-1.4pp | 12.2% | 10.7% | 12.6% | 45% |
| Total Capital Ratio |
17.1%
-0.5pp YoY -0.4pp QoQ |
-2.8pp | 19.9% | 16.8% | 20.8% | 58% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
60
+8 (+15.4%) YoY +1 (+1.7%) QoQ |
+1 | 58 | 99 | 482 | 63% |
| Assets per Employee ($) |
$4.4M
-6.7% YoY +1.1% QoQ |
-$3.1M | $7.5M | $7.4M | $8.8M | 8% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 8 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.4%
+0.1pp YoY -0.2pp QoQ |
+0.1pp | 0.3% | 0.1% | 0.4% | 79% |
| Nonaccrual |
0.2%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 0.7% | 1.0% | 32% |
| Allowance Coverage |
1.41x
-11.3% YoY +36.6% QoQ |
-22.74x | 24.15x | 2.58x | 20.23x | 37% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.0% | 0.2% | 54% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.0%
-0.3pp YoY -0.3pp QoQ |
-5.2pp | 12.2% | 9.1% | 11.6% | 21% |
| Cost of Funds (YTD) |
1.2%
0.0pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.6% | 1.7% | 19% |
| Net Income ($, YTD) |
$806,000
+11.0% YoY — QoQ |
-$1.7M | $2.6M | $3.5M | $40.4M | 20% |
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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 (0)
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.