Wells River Savings Bank

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Overview / Commentary

www.wellsriversavings.com

802-757-2361

47 Main Street N
Wells River, VT 05081

Wells River Savings Bank is headquartered in WELLS RIVER and is the 10^th largest bank in the state of Vermont. It is also the 2,893^rd largest bank in the nation. It was established in 1892 and as of March of 2023, it had grown to 59 employees at 6 locations. Wells River Savings Bank's CD rates are 5X the national average, and it has a B+ health rating.

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2021

1/28 - Wells River Savings Bank (VT) Has Very Competitive Kasasa Products

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Health

B+

Data as of Q1 2023

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Health Grade Components

Overall
FDIC Certificate #	14136
Year Established	1892
Employees	59
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.56%
Return on Equity - YTD	8.35%
Annual Interest Income	$2.3MM

Assets and Liabilities
Assets	Q1 2023vs Q1 2022	$223.6MM$222.7MM
Loans	Q1 2023vs Q1 2022	$142.2MM$119.8MM
Deposits	Q1 2023vs Q1 2022	$203.2MM$199.3MM
Equity Capital	Q1 2023vs Q1 2022	$15.8MM$18.8MM
Loan Loss Allowance	Q1 2023vs Q1 2022	$1.9MM$1.4MM
Unbacked Noncurrent Loans	Q1 2023vs Q1 2022	$329.00K$813.00K
Real Estate Owned	Q1 2023vs Q1 2022	$0$0

Rates

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Money Market
Checking
CD
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Wells River Savings Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	-	$75k	Kasasa Saver
OTHER TIERS: 0.25% → $75k+
0.50%^*	$10k^*	-	Health Savings Accounts
OTHER TIERS: 0.15% → Up to $1k \| 0.35% → $1k - $10k
0.15%^*	$100k^*	-	Statement Savings
OTHER TIERS: 0.05% → Up to $2.5k \| 0.10% → $2.5k - $100k
0.15%^*	$100k^*	-	Youth Savings
OTHER TIERS: 0.05% → Up to $2.5k \| 0.10% → $2.5k - $100k
0.15%^*	$100k^*	-	Student Savings
OTHER TIERS: 0.05% → Up to $2.5k \| 0.10% → $2.5k - $100k
0.15%^*	$100k^*	-	Automatic Transfer Account
OTHER TIERS: 0.05% → Up to $2.5k \| 0.10% → $2.5k - $100k
0.05%	$1	-	Savings Club (50 Week Term)

Wells River Savings Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%^*	$250k^*	-	Premium Money Market
OTHER TIERS: 0.05% → Up to $25k \| 0.15% → $25k - $50k \| 0.25% → $50k+ \| 0.40% → $100k - $250k
0.15%^*	$25k^*	-	Money Market
OTHER TIERS: 0.05% → Up to $25k

Wells River Savings Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.50%	-	$35k	Kasasa Cash
0.15%^*	$100k^*	-	NOW Account
OTHER TIERS: 0.05% → Up to $2.5k \| 0.08% → $2.5k - $100k
0.15%^*	$100k^*	-	IOLTA Account
OTHER TIERS: 0.05% → Up to $2.5k \| 0.08% → $2.5k - $100k
0.15%^*	$100k^*	-	IORTA Account
OTHER TIERS: 0.05% → Up to $2.5k \| 0.08% → $2.5k - $100k

Wells River Savings Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.07%	$200	-	12 Month CD
4.07%	$10k	-	12 Month CDARS
0.60%	$200	-	24 Month CD
0.60%	$200	-	36 Month CD
0.60%	$200	-	60 Month CD
0.60%	$10k	-	24 Month CDARS
0.60%	$10k	-	36 Month CDARS
0.60%	$10k	-	60 Month CDARS
0.30%	$200	-	6 Month CD
0.30%	$10k	-	6 Month CDARS
0.15%	$200	-	3 Month CD
0.15%	$10k	-	3 Month CDARS
0.05%	$10k	-	28 Day CDARS

Wells River Savings Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.07%	$50	-	12 Month IRA
0.60%	$50	-	24 Month IRA
0.60%	$50	-	36 Month IRA
0.60%	$50	-	60 Month IRA
0.30%	$50	-	6 Month IRA
0.15%	$50	-	3 Month IRA

Locations

Wells River Savings Bank Locations
Bradford Branch	223 Main Street	Bradford, VT 05033
East Thetford Branch	3088 Route 5	East Thetford, VT 05043
Wells River Savings Bank	34 Main St N	Wells River, VT 05081
West Side Branch	47 Main Street North	Wells River, VT 05081
Newbury Branch	4976 Main Street South	Newbury, VT 05051
Fairlee Branch	540 Route 5 N.	Fairlee, VT 05045

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