Wellworth Bank (FDIC certificate #1711) is based in Lafayette, Tennessee. Its Q2 2026 call report shows $1.8B in total assets and $1.5B in deposits and 20 offices.
Based on its Q2 2026 filing, Wellworth Bank scores 60/100, which we describe as moderate. That is higher than only 21% of 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 89th. Its strongest component is problem-loan coverage (82/100; 9.1%), and its lowest is capital cushion (49/100; 9.92%).
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
From Q2 2025 to Q2 2026, the score fell 7 points (67 → 60), mostly because the loan quality component weakened by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 66 |
| Q4 2024 | 66 |
| Q1 2025 | 65 |
| Q2 2025 | 67 |
| Q3 2025 | 68 |
| Q4 2025 | 61 |
| Q1 2026 | 60 |
| Q2 2026 | 60 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.62% |
| Q3 2024 | 9.54% |
| Q4 2024 | 9.50% |
| Q1 2025 | 9.55% |
| Q2 2025 | 9.67% |
| Q3 2025 | 9.70% |
| Q4 2025 | 9.83% |
| Q1 2026 | 9.94% |
| Q2 2026 | 9.92% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.46% |
| Q3 2024 | 0.43% |
| Q4 2024 | 0.41% |
| Q1 2025 | 0.59% |
| Q2 2025 | 0.55% |
| Q3 2025 | 0.48% |
| Q4 2025 | 1.29% |
| Q1 2026 | 1.37% |
| Q2 2026 | 1.39% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.97% |
| Q3 2024 | 0.98% |
| Q4 2024 | 1.04% |
| Q1 2025 | 1.05% |
| Q2 2025 | 1.17% |
| Q3 2025 | 1.22% |
| Q4 2025 | 1.27% |
| Q1 2026 | 1.30% |
| Q2 2026 | 1.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $1.8B | 9.92% | 1.39% | 1.30% | 81.4% |
| Q1 2026 | 60 | $1.8B | 9.94% | 1.37% | 1.30% | 81.6% |
| Q4 2025 | 61 | $1.8B | 9.83% | 1.29% | 1.27% | 84.0% |
| Q3 2025 | 68 | $1.7B | 9.70% | 0.48% | 1.22% | 84.2% |
| Q2 2025 | 67 | $1.7B | 9.67% | 0.55% | 1.17% | 83.3% |
| Q1 2025 | 65 | $1.7B | 9.55% | 0.59% | 1.05% | 82.9% |
| Q4 2024 | 66 | $1.7B | 9.50% | 0.41% | 1.04% | 83.9% |
| Q3 2024 | 66 | $1.7B | 9.54% | 0.43% | 0.98% | 82.7% |
| Q2 2024 | 66 | $1.6B | 9.62% | 0.46% | 0.97% | 80.0% |
897 peers · $1 billion – $10 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 Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Independent BankBank Memphis, TN | 67 out of 100, Moderate | $1.9B | 10.6% | 0.85% | vs |
| First Farmers and Merchants BankBank Columbia, TN | 79 out of 100, Strong | $1.8B | 11.2% | 0.12% | vs |
| Citizens National BankBank Sevierville, TN | 82 out of 100, Strong | $2.0B | 11.2% | 0.04% | vs |
| Security Bank and Trust CompanyBank Paris, TN | 79 out of 100, Strong | $1.7B | 10.9% | 0.02% | vs |
| One Bank of TennesseeBank Cookeville, TN | 79 out of 100, Strong | $1.7B | 9.1% | 0.01% | vs |
| Citizens Tri-County BankBank Dunlap, TN | 70 out of 100, Strong | $1.6B | 9.3% | 0.75% | vs |
Deposit insurance
Is my money safe at Wellworth Bank?
Yes. Wellworth Bank is an FDIC-insured institution (FDIC certificate #1711). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.4% of deposits ($452.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.92%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.98% (benchmark: 10%).
20 locations
Branches
Wellworth Bank lists 20 offices in 16 cities. Most locations:
- Lafayette, TN (3)
- Cookeville, TN (2)
- Lebanon, TN (2)
- Alexandria, TN (1)
- Carthage, TN (1)
- Celina, TN (1)
- Gainesboro, TN (1)
- Gordonsville, TN (1)
- Livingston, TN (1)
- Manchester, TN (1)
- Red Boiling Springs, TN (1)
- Shelbyville, TN (1)
HMDA 2025
Mortgage lending
In 2025, Wellworth Bank reported 630 home-loan applications under HMDA (LEI 549300W4TWSN8U8TGD72): 615 originated ($111,075,000 total), 3 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.5%, 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
- Wellworth Bank
- Former names
- Citizens Bank of Lafayette; Bank of Celina
- Type
- State-chartered bank
- FDIC certificate #
- 1711
- RSSD ID
- 63733
- Primary regulator
- FDIC
- Holding company
- Citizens Bcorp Investment Inc
- Established
- July 1, 1909
- Headquarters
- 400 Highway 52 Byp W, Lafayette, TN 37083
- Website
- www.wellworth.bank
- Employees
- 258
Quick answers
Wellworth Bank: common questions
Is Wellworth Bank FDIC insured?
Yes. Wellworth Bank is an FDIC-insured institution (FDIC certificate #1711). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Wellworth Bank's TellerScore?
60 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 Wellworth Bank ever failed?
There is no failure record for FDIC certificate #1711 in the FDIC failed bank list.
How many branches does Wellworth Bank have?
20 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lafayette
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens BankBank Carthage, TN | 92 out of 100, Very strong | $832.5M | 16.3% | 0.62% | vs |
| The Farmers BankBank Portland, TN | 89 out of 100, Very strong | $942.8M | 15.1% | 0.53% | vs |
| First Freedom BankBank Lebanon, TN | 85 out of 100, Very strong | $817.8M | 12.5% | 0.01% | vs |
| Ascend Federal Credit UnionCredit union Tullahoma, TN | 83 out of 100, Strong | $4.8B | 14.6% | 0.49% | vs |
| Edmonton State BankBank Glasgow, KY | 82 out of 100, Strong | $1.2B | 11.5% | 0.32% | vs |
| Macon Bank and Trust CompanyBank Lafayette, TN | 73 out of 100, Strong | $820.5M | 9.9% | 0.08% | vs |