Bank Comparison
Wells Fargo Bank, N.A. vs Truist Bank
BankRegReports is independent of Wells Fargo Bank, N.A. and Truist Bank and never asks for online banking logins or passwords.
At Q2 2026, Wells Fargo Bank, N.A. is the larger bank, with $1.91T in total assets to Truist Bank's $548.35B; Truist Bank has the higher CET1 ratio (12.11% vs 12.06%) and Wells Fargo Bank, N.A. has the higher return on assets (1.46% vs 1.16%).
vs
4 · 13
winning metrics across 17 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | Wells Fargo Bank, N.A. | Truist Bank |
|---|---|---|
| CET1 Ratio | 12.06% | 12.11% |
| Tier 1 Capital Ratio | 12.06% | 12.11% |
| Total Capital Ratio | 13.50% | 13.62% |
| Tier 1 Leverage Ratio | 8.02% | 9.82% |
| Equity / Assets | 8.88% | 11.48% |
Profitability
| Metric | Wells Fargo Bank, N.A. | Truist Bank |
|---|---|---|
| Return on Assets (ROA) | 1.46% | 1.16% |
| Return on Equity (ROE) | 15.99% | 10.04% |
| Net Interest Margin (NIM) | 3.04% | 3.08% |
| Yield on Earning Assets | 4.63% | 4.86% |
| Cost of Funds | 1.67% | 1.86% |
Asset quality
| Metric | Wells Fargo Bank, N.A. | Truist Bank |
|---|---|---|
| Texas Ratio | 5.66% | 3.65% |
| Non-Performing Loan Ratio | 1.04% | 0.72% |
| Non-Performing Asset Ratio | 0.56% | 0.44% |
| Net Charge-Off Ratio | 0.36% | 0.50% |
| ACL / Loans | 1.39% | 1.50% |
Balance sheet
| Metric | Wells Fargo Bank, N.A. | Truist Bank |
|---|---|---|
| Total Assets | $1.91T | $548.35B |
| Total Deposits | $1.56T | $419.21B |
| Total Loans | $997.79B | $332.16B |
| Total Equity | $169.52B | $62.97B |
| Net Income (quarter) | $6.85B | $1.58B |
Liquidity & funding
| Metric | Wells Fargo Bank, N.A. | Truist Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 63.82% | 79.23% |
| Core Deposit Ratio | 89.75% | 89.90% |
| Uninsured Deposit Ratio | 50.28% | 44.91% |
Identity
| Metric | Wells Fargo Bank, N.A. | Truist Bank |
|---|---|---|
| Headquarters City | Sioux Falls | Charlotte |
| Headquarters State | SD | NC |
| Asset Tier | $250B or more in assets | $250B or more in assets |
| Regulator | OCC | FDIC |
| Domestic Branches | 4,161 | 1,931 |
| Employees (FTE) | 174,186 | 35,808 |
| Established | January 1, 1870 | January 1, 1872 |
Related bank comparisons
Wells Fargo Bank vs American Express National Bank · Wells Fargo Bank vs Morgan Stanley Bank · Wells Fargo Bank vs Goldman Sachs Bank USA · Wells Fargo Bank vs Ally Bank · Citibank vs Truist Bank · Bank of America vs Truist Bank · First-Citizens Bank & Trust Company vs Truist Bank · TD Bank vs Truist Bank
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Wells Fargo Bank, N.A. profile | View full Truist Bank profile | Browse all bank comparisons