Headquartered in Wells River, Vermont, Wells River Savings Bank is a si with $266.9M in total assets and $234.6M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1892.
Wells River Savings Bank has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,650 banks with $100 million – $1 billion. Among 12 banks headquartered in Vermont, it ranks 7th. Problem-loan coverage contributes the most (91/100, 4.7%); earnings contributes the least (45/100, 0.62%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 67).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 65 |
| Q4 2024 | 66 |
| Q1 2025 | 68 |
| Q2 2025 | 67 |
| Q3 2025 | 66 |
| Q4 2025 | 64 |
| Q1 2026 | 66 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.50% |
| Q3 2024 | 10.54% |
| Q4 2024 | 10.69% |
| Q1 2025 | 10.94% |
| Q2 2025 | 10.88% |
| Q3 2025 | 10.83% |
| Q4 2025 | 10.77% |
| Q1 2026 | 10.94% |
| Q2 2026 | 10.75% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.48% |
| Q3 2024 | 0.72% |
| Q4 2024 | 0.78% |
| Q1 2025 | 0.61% |
| Q2 2025 | 0.65% |
| Q3 2025 | 0.81% |
| Q4 2025 | 1.01% |
| Q1 2026 | 0.86% |
| Q2 2026 | 0.63% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.61% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.65% |
| Q2 2025 | 0.60% |
| Q3 2025 | 0.66% |
| Q4 2025 | 0.68% |
| Q1 2026 | 0.65% |
| Q2 2026 | 0.62% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $266.9M | 10.75% | 0.63% | 0.62% | 78.9% |
| Q1 2026 | 66 | $259.5M | 10.94% | 0.86% | 0.65% | 75.8% |
| Q4 2025 | 64 | $251.9M | 10.77% | 1.01% | 0.68% | 78.3% |
| Q3 2025 | 66 | $251.6M | 10.83% | 0.81% | 0.66% | 76.5% |
| Q2 2025 | 67 | $248.0M | 10.88% | 0.65% | 0.60% | 77.1% |
| Q1 2025 | 68 | $238.3M | 10.94% | 0.61% | 0.65% | 77.5% |
| Q4 2024 | 66 | $237.7M | 10.69% | 0.78% | 0.59% | 76.3% |
| Q3 2024 | 65 | $238.3M | 10.54% | 0.72% | 0.55% | 78.5% |
| Q2 2024 | 68 | $234.7M | 10.50% | 0.48% | 0.61% | 78.5% |
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).
Similar-size banks in Vermont
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Brattleboro Savings and Loan AssociationBank Brattleboro, VT | 65 out of 100, Moderate | $296.4M | 10.3% | 0.72% | vs |
| Business Bank, TheBank S Burlington, VT | 66 out of 100, Moderate | $352.2M | 12.4% | 0.09% | vs |
| Peoples Trust Company of St. AlbansBank Saint Albans, VT | 74 out of 100, Strong | $395.4M | 11.8% | 0.41% | vs |
| The National Bank of MiddleburyBank Middlebury, VT | 74 out of 100, Strong | $553.5M | 9.9% | 0.15% | vs |
| The Bank of BenningtonBank Bennington, VT | 70 out of 100, Strong | $661.9M | 11.4% | 0.40% | vs |
| Passumpsic Savings BankBank Saint Johnsbury, VT | 76 out of 100, Strong | $934.5M | 13.1% | 0.71% | vs |
Deposit insurance
Is my money safe at Wells River Savings Bank?
Yes. Wells River Savings Bank is an FDIC-insured institution (FDIC certificate #14136). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 6.6% of deposits ($15.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.75%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.13% (benchmark: 10%).
6 locations
Branches
Wells River Savings Bank lists 6 offices in 5 cities. Most locations:
- Wells River, VT (2)
- Bradford, VT (1)
- East Thetford, VT (1)
- Fairlee, VT (1)
- Newbury, VT (1)
Identity & history
Profile
- Legal name
- Wells River Savings Bank
- Type
- SI
- FDIC certificate #
- 14136
- RSSD ID
- 303701
- Primary regulator
- FDIC
- Established
- January 1, 1892
- Headquarters
- 34 Main St N, Wells River, VT 05081
- Website
- www.wellsriversavings.com
- Employees
- 60
Quick answers
Wells River Savings Bank: common questions
Is Wells River Savings Bank FDIC insured?
Yes. Wells River Savings Bank is an FDIC-insured institution (FDIC certificate #14136). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Wells River Savings Bank's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Wells River Savings Bank ever failed?
There is no failure record for FDIC certificate #14136 in the FDIC failed bank list.
How many branches does Wells River Savings Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Wells River
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northern Lights Federal Credit UnionCredit union Saint Johnsbury, VT | 84 out of 100, Strong | $42.8M | 14.3% | 0.29% | vs |
| Passumpsic Savings BankBank Saint Johnsbury, VT | 76 out of 100, Strong | $934.5M | 13.1% | 0.71% | vs |
| Bar Harbor Bank & TrustBank Bar Harbor, ME | 73 out of 100, Strong | $4.7B | 10.5% | 0.32% | vs |
| Bank of New HampshireBank Laconia, NH | 72 out of 100, Strong | $2.8B | 12.1% | 0.63% | vs |
| Community National BankBank Derby, VT | 68 out of 100, Moderate | $1.2B | 10.6% | 0.86% | vs |
| Mascoma BankBank Lebanon, NH | 64 out of 100, Moderate | $3.0B | 9.1% | 0.15% | vs |