Wells Fargo Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Wells Fargo Bank, N.A. is an FDIC-insured commercial bank headquartered in Sioux Falls, SD, supervised by the OCC, with $1.91T in total assets at Q2 2026, up 9.2% from Q2 2025, the 2nd largest of 56 banks headquartered in South Dakota. It was established in 1870 and holds FDIC certificate 3511. Its CET1 capital ratio was 12.06% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3511
- Headquarters
- Sioux Falls, SD
- Established
- 1870
- Total assets, Q2 2026
- $1.91T
- Assets vs Q2 2025
- +9.2%
- CET1 ratio, Q2 2026
- 12.06%
- Domestic offices
- 4,161 · Wells Fargo Bank, N.A. branches FDIC institution directory, current count
- Routing number
- 121000248
- Safety and soundness
- Is Wells Fargo Bank, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 031 · Wells Fargo Bank, N.A. call report
- Holding company
- WFC HOLDINGS, LLC
- Asset rank in state
- 2nd of 56 in South Dakota
Wells Fargo Bank, N.A. is the 4th-largest bank in the United States, with $1.91 trillion in assets at June 30, 2026, up 9.2% from a year earlier. It is headquartered in Sioux Falls, South Dakota, and operates 4,161 domestic branches. It carries problem assets equal to 5.7% of the capital and reserves that would absorb them, higher than about 9 in 10 of the 18 US banks with $250 billion or more in assets (median 3.8%). On the other hand, it pays an average of 1.67% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.94%).
Unrealized losses on its securities total $35.5 billion, equal to 24% of Tier 1 capital, against 29% a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.88% of loans, down from 1.01% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 0.8 times its capital, higher than about three-quarters of banks its size (median 0.6 times).
As of June 30, 2026, Wells Fargo Bank, N.A. reported a CET1 capital ratio of 12.06%, a return on assets of 1.46%, a nonperforming-loan ratio of 1.04% and a Texas ratio of 5.66%. The figures come from its call report filed with the FFIEC.
Wells Fargo Bank, N.A. ranks as the 2nd largest of the 56 banks based in South Dakota, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.0% to $1.91T, loans rose 1.3% and deposits rose 3.1%. 1-4 family residential loans made up 23.4% of its total loans on June 30, 2026, its largest category; next came loans to nondepository financial institutions at 23.0%. By the capital ratios in its Q2 2026 call report, Wells Fargo Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3201 N 4th Ave, Sioux Falls, SD 57104
- County
- Minnehaha
- Metro Area
- Sioux Falls, SD-MN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1870
- Former names
- Crocker National Bank (1971-1986); Crocker-Citizens National Bank (1963-1971); Crocker-Anglo National Bank (1956-1963)
- Domestic offices
- 4,161 FDIC institution directory, current count
- Employees (FTE)
- 174,186
- Domestic deposits
- $1.55T
- Allowance for credit losses
- $13.91B
- Net charge-offs (YTD)
- $1.98B
- Average total assets
- $1.88T
- Average total loans
- $979.57B
- Average interest-bearing deposits
- $1.14T
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3511
- Fed RSSD
- 451965
- 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)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Charles W Scharf | CEO | Chairman and CEO |
| Michael P. Santomassimo | CFO | Sr. EVP & CFO |
| Scott Powell | COO | SEVP & Chief Operating Officer |
| Derek A. Flowers | CRO | Sr. EVP and Chief Risk Officer |
| Ellen R Patterson | GC | Sr. EVP and General Counsel |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Wells Fargo Bank, N.A.'s total assets ran between $1.70T (Q3 2024) and $1.91T (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.91T total assets against $1.75T; $1.74T total liabilities against $1.57T.
$983.88B net loans and leases against $880.65B; $1.56T total deposits against $1.40T.
$442.36B securities against $399.95B; $201.42B cash and balances due against $194.11B.
$20.23B total interest income against $19.21B; $6.94B total interest expense against $6.41B.
$13.29B net interest income against $12.80B.
$6.19B total noninterest income against $6.37B; $10.34B total noninterest expense against $10.34B.
$913.0M provision for credit losses against $1.00B.
$6.85B net income against $6.79B.
1.46% return on assets against 1.59%; 3.04% net interest margin against 3.27%.
12.06% CET1 capital ratio against 13.25%; 8.02% tier 1 leverage ratio against 8.93%.
Inside the full Wells Fargo Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Wells Fargo Bank, N.A. rankings
Its closest position to the top of a national ranking is 4 of 4,196, for total assets; its furthest is 1,687 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.31% (Q1 2026) to 1.59% (Q2 2025) and its net interest margin ran from 3.04% (Q2 2026) to 3.38% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.06% | 1.46% | 1.04% | 5.66% | 3.04% |
| Q1 2026 | 12.58% | 1.31% | 1.18% | 6.11% | 3.09% |
| Q4 2025 | 12.81% | 1.41% | 1.20% | 5.88% | 3.26% |
| Q3 2025 | 13.13% | 1.38% | 1.21% | 5.35% | 3.23% |
| Q2 2025 | 13.25% | 1.59% | 1.33% | 5.76% | 3.27% |
| Q1 2025 | 13.17% | 1.31% | 1.37% | 5.90% | 3.24% |
| Q4 2024 | 13.08% | 1.33% | 1.43% | 6.12% | 3.38% |
| Q3 2024 | 13.27% | 1.40% | 1.39% | 5.87% | 3.31% |
Swipe the table sideways to see every column.
Branch Network
View all 4,157 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Colonial Branch | Sioux Falls , SD | 57105 | $461.68B |
| Market-California Branch | San Francisco , CA | 94105 | $38.78B |
| Madison & 49th Street Branch | New York , NY | 10022 | $36.27B |
| Wells Fargo Center Skyway Branch | Minneapolis , MN | 55402 | $27.58B |
| Houston Central Branch | Houston , TX | 77002 | $19.59B |
| Tryon at 3rd Branch | Charlotte , NC | 28282 | $13.42B |
| Palo Alto Office Branch | Palo Alto , CA | 94301 | $11.83B |
| River North Branch | Chicago , IL | 60654 | $11.07B |
| Independence Hall Branch | Philadelphia , PA | 19106 | $10.39B |
| Denver West Branch | Denver , CO | 80203 | $9.71B |
| 14th & New York Branch | Washington , DC | 20005 | $7.44B |
| Peachtree Center Branch | Atlanta , GA | 30303 | $7.41B |
| Tyson's Plaza Branch | Mclean , VA | 22102 | $6.86B |
| San Jose Main Office Branch | San Jose , CA | 95113 | $6.24B |
| Miami Main Branch | Miami , FL | 33131 | $6.16B |
| Los Angeles Main Branch | Los Angeles , CA | 90071 | $5.98B |
| Woodbridge Branch | Irvine , CA | 92604 | $5.84B |
| Seattle Main Branch | Seattle , WA | 98104 | $5.47B |
| Hudson Yards 10th Avenue & 30th Street | New York , NY | 10001 | $4.65B |
| Wells Fargo Center Branch | Salt Lake City , UT | 84111 | $4.21B |
| Las Vegas Tower Branch | Las Vegas , NV | 89169 | $4.02B |
| 171 17th Street Branch | Atlanta , GA | 30363 | $4.00B |
| Concord Branch | Concord , CA | 94520 | $3.84B |
| Downtown Mesa Branch | Mesa , AZ | 85201 | $3.78B |
| Dallas Central Branch | Dallas , TX | 75202 | $3.51B |
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, 2025 | Structure Change | Acquired Wells Fargo Merchant Services, L.L.C. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2025 | Structure Change | Acquired Wells Fargo Funding, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2012 | Structure Change | Acquired Wells Fargo Auto Finance, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 15, 2011 | Structure Change | Acquired First Union Financial Investments, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2011 | Structure Change | Acquired Wells Fargo Financial Mississippi, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2011 | M&A | Acquired Wells Fargo Dealer Services, Inc. merger for the acquired bank | SEC |
| May 6, 2011 | Structure Change | Acquired Wachovia Mortgage Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2011 | Structure Change | Acquired Wells Fargo Central Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2011 | Structure Change | Acquired Wachovia Holdings, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2011 | Structure Change | Acquired Wachovia Shared Resources, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2010 | Structure Change | Acquired Wachovia Financial Services, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 6, 2010 | Structure Change | Acquired Wells Fargo Retail Finance, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2010 | Structure Change | Acquired Wells Fargo Alaska Trust Company, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2010 | Structure Change | Acquired Metropolitan West Securities, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 21, 2010 | M&A | Acquired Wells Fargo Education Finance Inc. merger for the acquired bank | SEC |
| August 21, 2010 | Structure Change | Acquired Wells Fargo Education Finance Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 15, 2010 | Structure Change | Acquired Calibre Advisory Services, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 15, 2010 | M&A | Acquired Calibre Advisory Services, Inc. merger for the acquired bank | SEC |
| May 10, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 10, 2010 | Structure Change | Acquired Wells Fargo HSBC Trade Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 10, 2010 | Structure Change | Acquired Wachovia Card Services, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 10, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 20, 2010 | M&A | Acquired Wachovia Bank, N.A. merger for the acquired bank | SEC |
| March 20, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 20, 2010 | Structure Change | Acquired Wachovia Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 7, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2009 | Structure Change | Acquired Wells Fargo Bank Southwest, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 25, 2009 | Structure Change | Acquired Century Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 25, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 2, 2009 | Structure Change | Acquired Wells Fargo Financial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 2, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2009 | Structure Change | Acquired Wells Fargo Bank Grand Junction-Downtown, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 6, 2008 | Structure Change | Acquired Farmers State Bank of Fort Morgan Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 18, 2008 | Structure Change | Acquired Shoshone First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 18, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 39 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 31 against the institution (OCC); 151 against individuals associated with it
- September 12, 2024, OCC: Formal Agreement: Wells Fargo Bank, National Association
- September 9, 2021, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Wells Fargo Bank, National Association
- September 9, 2021, OCC: Civil Money Penalty (CMP): Wells Fargo Bank, National Association
- April 20, 2018, OCC: C&D or PC&D Requiring Restitution: Wells Fargo Bank, National Association
- April 20, 2018, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Wells Fargo Bank, National Association
- Period: Most recent institution action September 12, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 40.3% of deposits in SD, rank 2 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 82,827 applications, 41,562 loans originated, $48.20B originated, across 52 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1,483 loans, $502.5M approved, $339K average. 0.07% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Wells Fargo Bank, N.A.
What are Wells Fargo Bank, N.A.'s total assets?
As of the Q2 2026 filing, Wells Fargo Bank, N.A. reported total assets of $1.91 trillion in its FFIEC call report.
Where is Wells Fargo Bank, N.A. headquartered?
It is headquartered in Sioux Falls, SD, United States.
When was Wells Fargo Bank, N.A. founded?
It was established in 1870, per the FDIC institution directory.
Is Wells Fargo Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3511). 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, N.A.?
Wells Fargo Bank, N.A.'s primary federal regulator is the OCC.
What is Wells Fargo Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.06% in its Q2 2026 call report, above regulatory requirements.
How many branches does Wells Fargo Bank, N.A. operate?
It operates 4,161 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wells Fargo Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 5.66% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Wells Fargo Bank, N.A. previously called?
The charter now named Wells Fargo Bank, N.A. has also operated as Crocker National Bank (1971-1986), Crocker-Citizens National Bank (1963-1971), Crocker-Anglo National Bank (1956-1963), per FDIC structure-change records.
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