Wellworth Bank (FDIC #1711): Bank Stress & Real-Estate Credit Exposure
Wellworth Bank (FDIC Cert #1711): bank stress 65/100, elevated, STABLE over 7 days; parent CITIZENS BCORP INVESTMENT INC.
Wellworth Bank (#1711) lends in 12 counties across 1 state; Wellworth Bank (#1711) reaches 94 ZIP codes: Tennessee 12 counties, 94 ZIPs.
Wellworth Bank (#1711) largest markets: Franklin County, TN (16 branches, 16 ZIPs) (#1711), Smith County, TN (30 branches, 15 ZIPs) (#1711), Bedford County, TN (13 branches, 13 ZIPs) (#1711), Wilson County, TN (24 branches, 12 ZIPs) (#1711), Overton County, TN (12 branches, 12 ZIPs) (#1711), Putnam County, TN (22 branches, 11 ZIPs) (#1711).
Wellworth Bank (#1711) reports $1.84 billion in total assets; Wellworth Bank (#1711) equity $180.5 million (9.8% of Wellworth Bank (#1711) assets); Wellworth Bank (#1711) domestic deposits $1.54 billion; Wellworth Bank (#1711) net income $11.7 million; Wellworth Bank (#1711) return on assets 1.30%; Wellworth Bank (#1711) return on equity 13.14%; Wellworth Bank (#1711) net interest income $32.0 million; Wellworth Bank (#1711) call report June 30, 2026.
Wellworth Bank (#1711) noncurrent real-estate loans: none reported; Wellworth Bank (#1711) net charge-offs on real estate 1.50%; Wellworth Bank (#1711) residential charge-offs 3.64%.
Wellworth Bank (#1711) net interest margin 3.84% against an eight-quarter Wellworth Bank (#1711) average of 3.62% (Wellworth Bank (#1711) compression -0.22 points); Wellworth Bank (#1711) non-residential real estate 363.8% of equity; Wellworth Bank (#1711) rate-exposure score 40/100, Wellworth Bank (#1711) fixed-rate trap 40/100; Wellworth Bank (#1711) risk type credit driven; Wellworth Bank (#1711) rate regime rates elevated, Wellworth Bank (#1711) snapshot October 20, 2026.
Wellworth Bank (#1711) stress score moved from 63.3 on June 22, 2026 to 65.2 on October 20, 2026; Wellworth Bank (#1711) ranged 63.3 to 65.2 over 117 snapshots.
Wellworth Bank (#1711) alerts: 12 counties; top Wellworth Bank (#1711) alert scores: Celina County, TN 22 (low); Cookeville County, TN 22 (low); Gainesboro County, TN 22 (low); Gordonsville County, TN 22 (low); Lebanon County, TN 22 (low).