BlastPoint's Banking Scorecard
Wellington State Bank
Community
Specialty: Agricultural
TX
FDIC cert 1219
Wellington, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Wellington State Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 6.64% above tier
- - Loan-to-Deposit Ratio 25.14% below tier
- - Nonperforming Asset Ratio 3.33% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$653.2M
+10.3% YoY
+3.1% QoQ
|
-$738.2M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$343.5M
-2.5% YoY
+2.3% QoQ
|
-$631.9M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$593.1M
+8.8% YoY
+3.1% QoQ
|
-$571.5M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
0.87%
+18.9% YoY
+2.0% QoQ
|
-0.29% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
3.51%
-0.7% YoY
-0.2% QoQ
|
-0.15% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
73.58%
-5.9% YoY
-1.1% QoQ
|
+10.94% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
7.27%
+18.2% QoQ
|
+6.64% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
57.92%
-10.4% YoY
-0.8% QoQ
|
-25.14% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.48%
-3.7% YoY
+1.4% QoQ
|
+5.44% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
3.82%
+17.3% QoQ
|
+3.33% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
15.55%
+10.8% YoY
+6.4% QoQ
|
+5.30% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.40%
-5.3% YoY
+27.5% QoQ
|
-0.34% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
7.27%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
57.92%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
3.82%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
80
80th pctile
Tier 1 Capital Ratio
Current: 15.55% · Tier avg: 10.24%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 26.48% · Tier avg: 21.05%
42
42th pctile
Net Interest Margin
Current: 3.51% · Tier avg: 3.66%
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
30
30th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
27
27th pctile
Total Deposits
Current: $593.1M · Tier avg: $1.2B
22
22th pctile
Total Assets
Current: $653.2M · Tier avg: $1.4B
20
20th pctile
Efficiency Ratio
Current: 73.58% · Tier avg: 62.63%
7
7th pctile
Total Loans
Current: $343.5M · Tier avg: $975.5M
7
7th pctile
Loan-to-Deposit Ratio
Current: 57.92% · Tier avg: 83.06%
0
0th pctile
Delinquency Rate
Current: 7.27% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.82% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.82% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 7.27% · Tier avg: 0.63%
7
7th pctile
Loan-to-Deposit Ratio
Current: 57.92% · Tier avg: 83.06%
7
7th pctile
Total Loans
Current: $343.5M · Tier avg: $975.5M
20
20th pctile
Efficiency Ratio
Current: 73.58% · Tier avg: 62.63%
22
22th pctile
Total Assets
Current: $653.2M · Tier avg: $1.4B
27
27th pctile
Total Deposits
Current: $593.1M · Tier avg: $1.2B
30
30th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
42
42th pctile
Net Interest Margin
Current: 3.51% · Tier avg: 3.66%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 26.48% · Tier avg: 21.05%
80
80th pctile
Tier 1 Capital Ratio
Current: 15.55% · Tier avg: 10.24%