Bank Comparison
Wells Fargo Bank, N.A. vs JPMorgan Chase Bank, N.A.
JPM's universal banking model versus Wells's retail-banking franchise.
vs
6 · 18
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Wells Fargo Bank, N.A. | JPMorgan Chase Bank, N.A. |
|---|---|---|
| CET1 Ratio | 12.58% | 15.08% |
| Tier 1 Capital Ratio | 12.58% | 15.08% |
| Total Capital Ratio | 14.06% | 16.25% |
| Tier 1 Leverage Ratio | 8.40% | 7.63% |
| Equity / Assets | 9.34% | 8.36% |
Profitability
| Metric | Wells Fargo Bank, N.A. | JPMorgan Chase Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.31% | 1.43% |
| Return on Equity (ROE) | 13.75% | 16.64% |
| Net Interest Margin (NIM) | 3.09% | 2.80% |
| Yield on Earning Assets | 4.58% | 4.62% |
| Cost of Funds | 1.59% | 2.05% |
Asset quality
| Metric | Wells Fargo Bank, N.A. | JPMorgan Chase Bank, N.A. |
|---|---|---|
| Texas Ratio | 9.20% | 5.37% |
| Non-Performing Loan Ratio | 1.16% | 0.91% |
| Non-Performing Asset Ratio | 0.64% | 0.35% |
| Net Charge-Off Ratio | 0.49% | 0.70% |
| ACL / Loans | 1.41% | 1.69% |
Balance sheet
| Metric | Wells Fargo Bank, N.A. | JPMorgan Chase Bank, N.A. |
|---|---|---|
| Total Assets | $1,852,239M | $4,016,571M |
| Total Deposits | $1,516,982M | $2,787,994M |
| Total Loans | $985,437M | $1,519,711M |
| Total Equity | $173,016M | $335,931M |
| Net Income (quarter) | $5,961M | $13,974M |
Liquidity & funding
| Metric | Wells Fargo Bank, N.A. | JPMorgan Chase Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 64.96% | 54.51% |
| Core Deposit Ratio | 95.78% | 72.03% |
| Uninsured Deposit Ratio | 47.71% | 46.20% |
Identity
| Metric | Wells Fargo Bank, N.A. | JPMorgan Chase Bank, N.A. |
|---|---|---|
| Headquarters City | SIOUX FALLS | COLUMBUS |
| Headquarters State | SD | OH |
| Asset Tier | National | National |
| Charter Class | 15660 | 8 |
| Regulator | OCC | OCC |
| Domestic Branches | 4,214 | 5,342 |
| Employees (FTE) | 179,673 | 227,258 |
| Established | Jan. 1, 1852, midnight | Jan. 1, 1824, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Wells Fargo Bank, N.A. profile | View full JPMorgan Chase Bank, N.A. profile | Browse all bank comparisons