TellerScore

Headquartered in Wellington, Texas, Wellington State Bank is a state-chartered bank (fed member) with $659.7M in total assets and $599.4M in deposits as of Q2 2026. It operates 14 offices. Its charter dates back to 1906.

Wellington State Bank has a TellerScore of 43 out of 100 (below average) based on Q2 2026 data — higher than only 3% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 340th. Funding & liquidity contributes the most (83/100, 56% loans-to-deposits, 31% uninsured); loan quality contributes the least (0/100, 5.27%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.55%
Loan quality0/100
Noncurrent loans ÷ total loans: 5.27%
Earnings71/100
Return on assets (annualized): 1.28%
Funding & liquidity83/100
Loans ÷ deposits and uninsured-deposit share: 56.5% · 30.9% uninsured
Problem-loan coverage32/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 33.85%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (41 → 43), mostly because the earnings component improved by 13 points.

TellerScore
365166Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202436
Q3 202449
Q4 202466
Q1 202541
Q2 202541
Q3 202540
Q4 202537
Q1 202641
Q2 202643
Tier 1 leverage ratio
5.00%7.40%9.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.37%
Q3 20249.53%
Q4 20249.56%
Q1 20259.61%
Q2 20259.80%
Q3 20259.78%
Q4 20259.43%
Q1 20269.38%
Q2 20269.55%
Noncurrent loans
0.46%3.81%7.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20243.58%
Q3 20242.05%
Q4 20240.46%
Q1 20254.73%
Q2 20254.97%
Q3 20256.07%
Q4 20257.17%
Q1 20266.57%
Q2 20265.27%
Return on assets
0.46%0.87%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.46%
Q3 20240.55%
Q4 20240.73%
Q1 20250.93%
Q2 20250.96%
Q3 20250.85%
Q4 20250.87%
Q1 20261.21%
Q2 20261.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202643$659.7M9.55%5.27%1.28%56.5%
Q1 202641$650.2M9.38%6.57%1.21%57.0%
Q4 202537$653.2M9.43%7.17%0.87%57.9%
Q3 202540$633.9M9.78%6.07%0.85%58.4%
Q2 202541$598.4M9.80%4.97%0.96%63.2%
Q1 202541$594.8M9.61%4.73%0.93%62.3%
Q4 202466$592.5M9.56%0.46%0.73%64.7%
Q3 202449$588.7M9.53%2.05%0.55%65.1%
Q2 202436$570.0M9.37%3.58%0.46%67.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.55%
23rd
Total risk-based capital17.79%
80th
Problem loans5.27%
2nd
Net charge-offs0.06%
26th
Return on assets1.28%
52nd
Net interest margin3.81%
43rd
Efficiency ratio64.2%
45th
Loans to deposits56.5%
86th
Uninsured deposits30.9%
26th
Loan-loss reserves1.46%
76th
Texas ratio33.9%
2nd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Classic Bank, National AssociationBank Cameron, TX68 out of 100, Moderate$657.5M11.6%1.26%vs
First Community BankBank Corpus Christi, TX74 out of 100, Strong$662.8M12.4%0.67%vs
Worthington BankBank Arlington, TX67 out of 100, Moderate$655.4M9.3%0.16%vs
TXN BankBank Hondo, TX64 out of 100, Moderate$669.2M9.7%0.98%vs
Community Bank & Trust, Waco, TexasBank Waco, TX90 out of 100, Very strong$649.1M15.5%0.21%vs
Dominion BankBank Dallas, TX62 out of 100, Moderate$647.4M11.2%0.73%vs

Deposit insurance

Is my money safe at Wellington State Bank?

Yes. Wellington State Bank is an FDIC-insured institution (FDIC certificate #1219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.9% of deposits ($185.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.55%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.79% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

Wellington State Bank lists 14 offices in 14 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Wellington State Bank reported 58 home-loan applications under HMDA (LEI 2549008DKNX6KPDOUX53): 47 originated ($21,825,000 total), 4 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Wellington State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
1219
RSSD ID
371362
Primary regulator
FED
Holding company
Wsb Bancshares Inc
Established
January 1, 1906
Headquarters
1000 8th St, Wellington, TX 79095
Employees
119

Quick answers

Wellington State Bank: common questions

Is Wellington State Bank FDIC insured?

Yes. Wellington State Bank is an FDIC-insured institution (FDIC certificate #1219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Wellington State Bank's TellerScore?

43 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Wellington State Bank ever failed?

There is no failure record for FDIC certificate #1219 in the FDIC failed bank list.

How many branches does Wellington State Bank have?

14 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wellington

InstitutionScoreAssetsCapitalProblem loansCompare
Bank19Bank Memphis, TX90 out of 100, Very strong$147.8M15.3%0.00%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Pilgrim BankBank Pittsburg, TX68 out of 100, Moderate$714.6M10.2%0.15%vs
Cattlemens BankBank Altus, OK68 out of 100, Moderate$595.2M10.3%0.29%vs
Great Plains National BankBank Elk City, OK62 out of 100, Moderate$1.9B9.4%1.33%vs