Wells Fargo Bank South Central, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Wells Fargo Bank South Central, N.A., based in Houston, Texas, reported $2.6 billion in assets at June 30, 2026, down 26.5% from a year earlier. It returns 5.3% a year on shareholders' equity, about a third the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. It also keeps 2.36 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
Earnings fell sharply: quarterly net income of $10 million was 37% below a year earlier. Over the same year, loans shrank 14.6% and deposits shrank 30.5%.
As of June 30, 2026, Wells Fargo Bank South Central, N.A. reported a CET1 capital ratio of 80.53%, a return on assets of 1.56%, a nonperforming-loan ratio of 1.21% and a Texas ratio of 2.73%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2005 Taylor St, Houston, TX 77007
- County
- Harris
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 031
- Established
- June 18, 1894
- Former names
- WF National Bank South Central (2000-2008); Norwest Bank Faribault, National Association (1995-2000); Norwest Bank Minnesota South, National Association (1988-1995)
- Offices
- 1 domestic
- Domestic deposits
- $1.67B
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $75K
- Average total assets
- $2.63B
- Average total loans
- $1.74B
- Average interest-bearing deposits
- $1.69B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5146
- Fed RSSD
- 2362458
- SEC CIK
- 72971 → filed by WELLS FARGO & COMPANY
- Website
- www.wellsfargo.com →
- Parent Holding Company
- WFC HOLDINGS, LLC (RSSD 2741679)
- Ultimate Parent
- WELLS FARGO & COMPANY (RSSD 1120754)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Wells Fargo Bank South Central, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Wells Fargo Bank South Central, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Wells Fargo Bank South Central, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 80.53% | 1.56% | 1.21% | 2.73% | 2.36% |
| Q1 2026 | 75.99% | 1.70% | 1.18% | 2.82% | 2.34% |
| Q4 2025 | 71.72% | 1.53% | 1.38% | 3.37% | 2.35% |
| Q3 2025 | 67.80% | 1.43% | 1.42% | 3.22% | 2.04% |
| Q2 2025 | 63.85% | 1.61% | 1.43% | 3.34% | 1.95% |
| Q1 2025 | 54.91% | 1.31% | 1.27% | 3.17% | 1.87% |
| Q4 2024 | 52.08% | 1.43% | 1.27% | 3.44% | 1.77% |
| Q3 2024 | 54.22% | 1.08% | 1.20% | 3.60% | 1.87% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Wells Fargo Bank South Central, N.A. (main office) | Houston , TX | 77007 | $1.67B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 2009 | Structure Change | Acquired Wachovia Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
What the public regulatory sources show for Wells Fargo Bank South Central, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 7 against the institution (Federal Reserve); 2 against individuals associated with it
- March 24, 2023, Federal Reserve: Civil Money Penalty: Wells Fargo & Company, San Francisco, California
- April 8, 2020, Federal Reserve: Amendment to February 2, 2018 Order to Cease and Desist: Wells Fargo & Company, San Francisco, California
- February 2, 2018, Federal Reserve: Cease and Desist Order: Wells Fargo & Company, San Francisco, California
- February 28, 2013, Federal Reserve: Amendment to 4/13/2011 Order to Cease and Desist: Wells Fargo & Company, San Francisco, California
- February 9, 2012, Federal Reserve: Civil Money Penalty, $87,000,000: Wells Fargo & Company, San Francisco, California
- Period: Most recent institution action March 24, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in TX, rank 76 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $91K approved, $30K average. 33.33% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Wells Fargo Bank South Central, N.A.
What are Wells Fargo Bank South Central, N.A.'s total assets?
As of the Q2 2026 filing, Wells Fargo Bank South Central, N.A. reported total assets of $2.59 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Wells Fargo Bank South Central, N.A. headquartered?
Wells Fargo Bank South Central, N.A. is headquartered in Houston, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Wells Fargo Bank South Central, N.A. founded?
Wells Fargo Bank South Central, N.A. was established in 1894, per the FDIC institution directory.
Is Wells Fargo Bank South Central, N.A. FDIC-insured?
Yes. Wells Fargo Bank South Central, N.A. is an FDIC-insured commercial bank (FDIC Certificate #5146). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wells Fargo Bank South Central, N.A.?
Wells Fargo Bank South Central, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Wells Fargo Bank South Central, N.A.'s CET1 capital ratio?
Wells Fargo Bank South Central, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 80.53% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Wells Fargo Bank South Central, N.A. operate?
Wells Fargo Bank South Central, N.A. operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wells Fargo Bank South Central, N.A.'s Texas Ratio?
Wells Fargo Bank South Central, N.A.'s Texas Ratio is 2.73% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Wells Fargo Bank South Central, N.A. previously called?
The charter now named Wells Fargo Bank South Central, N.A. has also operated as WF National Bank South Central (2000-2008), Norwest Bank Faribault, National Association (1995-2000), Norwest Bank Minnesota South, National Association (1988-1995), per FDIC structure-change records.
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