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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Wellington, TX · FDIC certificate #1219
WELLINGTON STATE BANK is an FDIC-insured institution based in Wellington, TX (FDIC certificate #1219). In its Q3 2026 Call Report it reported total assets of $648M, total deposits of $591M and net loans of $354M. Its primary federal regulator is FED.
Plain-language readout
WELLINGTON STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $660M in Q2 2026 and were lowest at $648M in Q3 2026.
Total deposits were highest at $599M in Q2 2026 and lowest at $590M in Q1 2026.
Over the whole period total assets fell 0.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $648M | $591M | $354M | 1.28% | 16.94% | 3.82% |
| Q2 2026 | $660M | $599M | $339M | 1.28% | 16.66% | 3.81% |
| Q1 2026 | $650M | $590M | $337M | 1.21% | 15.66% | 3.64% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $79.2M | $66.1M | +$13.2M | +19.9% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $206.2M | $212.8M | -$6.5M | -3.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $338.5M | $336.7M | +$1.8M | +0.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $14.9M | $15.1M | -$184K | -1.2% |
| Other real estate owned | $616K | $0K | +$616K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $2.4M | $2.4M | $0K | 0.0% |
| All other assets | $17.8M | $17.1M | +$670K | +3.9% |
| Total assets | $659.7M | $650.2M | +$9.6M | +1.5% |
| Liabilities | ||||
| Total deposits | $599.4M | $590.3M | +$9.1M | +1.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $10.0M | $9.7M | +$352K | +3.6% |
| Total liabilities | $609.5M | $600.0M | +$9.5M | +1.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $200K | $200K | $0K | 0.0% |
| Surplus | $32.3M | $32.3M | $0K | 0.0% |
| Retained earnings | $33.5M | $31.8M | +$1.7M | +5.2% |
| Accumulated other comprehensive income | -$15.7M | -$14.1M | -$1.6M | -11.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $50.3M | $50.2M | +$86K | +0.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $18.7M | $22.4M | -$3.7M | -16.6% |
| Adjusted nonperforming assets | $18.7M | $22.4M | -$3.7M | -16.6% |
| Tangible equity plus allowance | $52.9M | $52.7M | +$208K | +0.4% |
| Texas ratio (gross) | 35.39% | 42.62% | -7.23 pts | See points |
| Texas ratio (adjusted) | 35.39% | 42.62% | -7.23 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 35.39% | 42.62% | -7.23 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.54% | 15.91% | +0.63 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.54% | 15.91% | +0.63 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.79% | 17.16% | +0.63 pts | See points |
| Tier 1 leverage (approximate) | 9.55% | 9.38% | +0.17 pts | See points |
| Construction and land loans to total capital | 57.16% | 56.60% | +0.55 pts | See points |
| Commercial real estate to total capital | 222.61% | 219.21% | +3.40 pts | See points |
| Dividend payout, year to date | 55.24% | 89.03% | -33.79 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -24.71% | -22.83% | -1.88 pts | See points |
| Liquidity | ||||
| Core deposits | $521.3M | $512.5M | +$8.8M | +1.7% |
| Non-core funding | $78.1M | $77.8M | +$347K | +0.4% |
| Loans to core deposits | 65.90% | 66.65% | -0.75 pts | See points |
| Loans to deposits | 57.31% | 57.87% | -0.55 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 80.79% | 80.76% | +0.04 pts | See points |
| Loans pledged, share of loans | 15.61% | 20.45% | -4.84 pts | See points |
| Volatile liabilities | $78.1M | $77.8M | +$347K | +0.4% |
| Earnings | ||||
| Earnings before provision, year to date | $4.6M | $2.2M | +$2.4M | +109.9% |
| Earnings before provision, single quarter | $2.4M | $2.2M | +$218K | +9.9% |
| Provision for credit losses, year to date | $427K | $229K | +$198K | +86.5% |
| Yield and cost | ||||
| Yield on loans and leases | 7.46% | 7.07% | +0.39 pts | See points |
| Yield on interest-bearing balances due from banks | 3.91% | 3.49% | +0.41 pts | See points |
| Total interest income to average assets | 5.19% | 4.93% | +0.26 pts | See points |
| Cost of interest-bearing transaction accounts | 1.77% | 1.85% | -0.08 pts | See points |
| Cost of savings and money market deposits | 1.94% | 2.03% | -0.09 pts | See points |
| Cost of time deposits | 3.31% | 3.59% | -0.28 pts | See points |
| Total interest expense to average assets | 1.57% | 1.62% | -0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $648M | $591M | $354M | 1.28% | 16.94% | 3.82% |
| 2026-06-30 | $660M | $599M | $339M | 1.28% | 16.66% | 3.81% |
| 2026-03-31 | $650M | $590M | $337M | 1.21% | 15.66% | 3.64% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TX | $546.3M | 0.04% | 183 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.