Bank Comparison
Wells Fargo Bank South Central, N.A. vs Open Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 9
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Wells Fargo Bank South Central, N.A. | Open Bank |
|---|---|---|
| CET1 Ratio | 75.99% | 11.93% |
| Tier 1 Capital Ratio | 75.99% | 11.93% |
| Total Capital Ratio | 76.31% | 13.18% |
| Tier 1 Leverage Ratio | 28.01% | 10.00% |
| Equity / Assets | 28.51% | 9.55% |
Profitability
| Metric | Wells Fargo Bank South Central, N.A. | Open Bank |
|---|---|---|
| Return on Assets (ROA) | 1.70% | 1.15% |
| Return on Equity (ROE) | 6.11% | 12.14% |
| Net Interest Margin (NIM) | 2.34% | 3.23% |
| Yield on Earning Assets | 3.75% | 5.92% |
| Cost of Funds | 2.08% | 2.95% |
Asset quality
| Metric | Wells Fargo Bank South Central, N.A. | Open Bank |
|---|---|---|
| Texas Ratio | 2.82% | 17.46% |
| Non-Performing Loan Ratio | 1.18% | 2.22% |
| Non-Performing Asset Ratio | 0.79% | 1.85% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 0.14% | 1.27% |
Balance sheet
| Metric | Wells Fargo Bank South Central, N.A. | Open Bank |
|---|---|---|
| Total Assets | $2,700M | $2,699M |
| Total Deposits | $1,786M | $2,328M |
| Total Loans | $1,779M | $2,243M |
| Total Equity | $769,960K | $257,675K |
| Net Income (quarter) | $11,667K | $7,737K |
Liquidity & funding
| Metric | Wells Fargo Bank South Central, N.A. | Open Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 99.65% | 96.38% |
| Core Deposit Ratio | 100.00% | 68.08% |
| Uninsured Deposit Ratio | 0.44% | 49.60% |
Identity
| Metric | Wells Fargo Bank South Central, N.A. | Open Bank |
|---|---|---|
| Headquarters City | HOUSTON | LOS ANGELES |
| Headquarters State | TX | CA |
| Asset Tier | Large | Large |
| Charter Class | 11668 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 17 |
| Employees (FTE) | 0 | 253 |
| Established | June 18, 1894, midnight | June 10, 2005, 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 South Central, N.A. profile | View full Open Bank profile | Browse all bank comparisons