Wellington State Bank (FDIC #1219): Bank Stress & Real-Estate Credit Exposure
Wellington State Bank (FDIC Cert #1219): bank stress 73/100, elevated, STABLE over 7 days; parent WSB BANCSHARES INC.
Wellington State Bank (#1219) lends in 13 counties across 1 state; Wellington State Bank (#1219) reaches 108 ZIP codes: Texas 13 counties, 108 ZIPs.
Wellington State Bank (#1219) largest markets: Lubbock County, TX (26 branches, 26 ZIPs) (#1219), Randall County, TX (15 branches, 15 ZIPs) (#1219), Lamb County, TX (28 branches, 14 ZIPs) (#1219), Erath County, TX (13 branches, 13 ZIPs) (#1219), Montague County, TX (10 branches, 10 ZIPs) (#1219), Hood County, TX (8 branches, 8 ZIPs) (#1219).
Wellington State Bank (#1219) reports $659.7 million in total assets; Wellington State Bank (#1219) equity $50.3 million (7.6% of Wellington State Bank (#1219) assets); Wellington State Bank (#1219) domestic deposits $599.4 million; Wellington State Bank (#1219) net income $4.2 million; Wellington State Bank (#1219) return on assets 1.28%; Wellington State Bank (#1219) return on equity 16.66%; Wellington State Bank (#1219) net interest income $11.5 million; Wellington State Bank (#1219) call report June 30, 2026.
Wellington State Bank (#1219) noncurrent real-estate loans 0.06% of its book; Wellington State Bank (#1219) residential 0.06%; Wellington State Bank (#1219) net charge-offs on real estate 6.95%; Wellington State Bank (#1219) residential charge-offs 10.02%.
Wellington State Bank (#1219) net interest margin 3.81% against an eight-quarter Wellington State Bank (#1219) average of 3.56% (Wellington State Bank (#1219) compression -0.25 points); Wellington State Bank (#1219) real-estate loans 6.2% of equity; Wellington State Bank (#1219) non-residential real estate 1002.4% of equity; Wellington State Bank (#1219) rate-exposure score 40/100, Wellington State Bank (#1219) fixed-rate trap 40/100; Wellington State Bank (#1219) risk type credit driven; Wellington State Bank (#1219) rate regime rates elevated, Wellington State Bank (#1219) snapshot October 20, 2026.
Wellington State Bank (#1219) stress score moved from 73 on June 22, 2026 to 73.3 on October 20, 2026; Wellington State Bank (#1219) ranged 73 to 73.3 over 117 snapshots.
Wellington State Bank (#1219) alerts: 13 counties; top Wellington State Bank (#1219) alert scores: Childress County, TX 34 (low); Lubbock County, TX 30 (low); Bowie County, TX 26 (low); Canadian County, TX 23 (low); Canyon County, TX 23 (low).