Bank · FDIC insured
Wells River Savings Bank
A $266.9M bank headquartered in Wells River, VT, with 6 branches in Vermont. Best rates: CDs 3.82% and savings 0.60% APY.
Wells River Savings Bank Carrot Score
73
Carrot Score
Higher than 35% of U.S. banks and credit unions
#5 of 17 in Lebanon, NH-VT metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Wells River Savings Bank
Originating with the 1833 incorporation of Bank of Newbury, Wells River Savings Bank was chartered in 1892 before both institutions merged under the savings bank's management in 1981.
Wells River Savings Bank operates as a mutual bank owned by its depositors.
- Headquarters
- 34 Main St N, Wells River, VT 05081
- FDIC certificate
- 14136 ↗
Branches
6 branches in Vermont
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Vermont
6 branches
- Wells River Savings BankMain office34 Main St N, Wells River, VT 05081Directions
- Bradford Branch223 Main St, Bradford, VT 05033Directions
- East Thetford Branch3088 Route 5, East Thetford, VT 05043Directions
- Fairlee Branch540 Route 5 N., Fairlee, VT 05045Directions
- Newbury Branch4976 Main Street South, Newbury, VT 05051Directions
- West Side Branch47 Main St N, Wells River, VT 05081Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.75% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.63% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.62% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $80 | $81 | — |
- CapitalLeverage ratio10.75%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.63%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.62%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$80Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Wells River Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.