VT lenders / Community Bank
Wells River Savings Bank
Community Bank · Wells River, VT
- Total assets
- $259.5M
- CRE loan book
- $17.1M
- QoQ CRE growth
- 3.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.10% as of Q1 2026 — TX bank median 4.87% (1.24pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.10% | 6.18% |
| Q4 2025 | 6.07% | 6.18% |
| Q3 2025 | 6.04% | 6.09% |
| Q2 2025 | 5.94% | 5.99% |
| Q1 2025 | 5.82% | 5.83% |
| Q4 2024 | 5.74% | 5.78% |
| Q3 2024 | 5.79% | 5.83% |
| Q2 2024 | 5.73% | 5.77% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $17.1M | $2.3M | $3.5M | 48% | $0 |
| Q4 2025 | $16.5M | $2.0M | $3.5M | 47% | $211,000 |
| Q3 2025 | $16.8M | $2.4M | $3.2M | 48% | $222,000 |
| Q2 2025 | $16.0M | $1.8M | $3.2M | 46% | $229,000 |
| Q1 2025 | $16.0M | $1.2M | $3.2M | 46% | $229,000 |
| Q4 2024 | $16.3M | $1.8M | $3.2M | 48% | $240,000 |
| Q3 2024 | $17.0M | $2.3M | $3.2M | 51% | $246,000 |
| Q2 2024 | $16.5M | $1.7M | $3.2M | 50% | $246,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Bank of MonticelloCommunity Bank · Monticello · $17.1M CRE book
- Guaranty State Bank and Trust CompanyCommunity Bank · Beloit · $17.1M CRE book
- Elysian BankCommunity Bank · Elysian · $17.1M CRE book
- State Savings BankCommunity Bank · Bedford · $17.0M CRE book
- Commercial State BankCommunity Bank · Palmer · $17.3M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.