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BDI
WR

Wells River Savings Bank

Wells River, VermontFDIC Cert #14136

STATEEstablished 18926 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$2.79M
Investor CRE$8.49M
Multifamily$3.49M
Construction$2.34M
1–4 family$124M
C&I$17.9M
Agriculture$820K
Other$14.8M

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$174M
+9.2%y/y
Percentile by value82nd percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNLSGR
Net loans
$173M
+9.4%y/y
Percentile by value82nd percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNLSNET
Loans YoY
+9.35%
+115.2%y/y
Percentile by value77th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNLSNET
L/D
75.8%
−2.3%y/y
Percentile by value32nd percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNLSNET + DEP
Loans/assets
66.6%
+0.4%y/y
Percentile by value44th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNLSNET + ASSET
RE loans %
86.59%
+1.2%y/y
Percentile by value15th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
48%
+3.3%y/y
Percentile by value49th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
8%
+78.9%y/y
Percentile by value30th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
5,199points
+0.8%y/y
Peer standing50th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
1.60%
−12.1%y/y
Percentile by value30th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNRENROW + LNLSGR
Investor CRE %
4.87%
−10.1%y/y
Percentile by value53rd percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNRENROT + LNLSGR
C&I %
10.29%
+5.8%y/y
Percentile by value93rd percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNCI + LNLSGR