Wells Fargo Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Tracing its history to 1852, Wells Fargo Bank, N.A. has grown into one of the largest US commercial banks, with headquarters in Sioux Falls, SD. The Q2 2026 balance sheet stands at $1.9T in assets, including $997.8B in loans. Capital cushions are healthy: 15.28% CET1, 8.02% Tier 1 leverage. The bank posts a strong 1.46% ROA and 15.99% ROE. Asset quality is solid, 1.08% nonperforming loans and a 8.76% Texas Ratio. Wells Fargo Bank's national footprint covers 4,157 domestic branches.
As of June 30, 2026, Wells Fargo Bank, N.A. reported a CET1 capital ratio of 15.28%, a return on assets of 1.46%, a nonperforming-loan ratio of 1.08%, a Texas ratio of 8.76%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 464 California Street, Sioux Falls, SD 94120
- County
- San Francisco
- Metro Area
- Sioux Falls, SD-MN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- 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, 1852
- Offices
- 4,157 domestic
- 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
- 1230
- Fed RSSD
- 451965
- SEC CIK
- 72971 → filed by WELLS FARGO & COMPANY
- Parent Holding Company
- WFC HOLDINGS, LLC (RSSD 2741679)
- Ultimate Parent
- WELLS FARGO & COMPANY (RSSD 1120754)
Profitability
Capital & 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.
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.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
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, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Wells Fargo Bank, 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.
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
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.
Metric pages for Wells Fargo Bank, N.A.: Uninsured deposits.
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 | 15.28% | 1.46% | 1.08% | 8.76% | 3.04% |
| Q1 2026 | 16.05% | 1.31% | 1.16% | 9.20% | 3.09% |
| Q4 2025 | 16.14% | 1.41% | 1.23% | 9.27% | 3.26% |
| Q3 2025 | 16.35% | 1.38% | 1.24% | 9.34% | 3.23% |
| Q2 2025 | 16.36% | 1.59% | 1.33% | 10.17% | 3.27% |
| Q1 2025 | 16.35% | 1.31% | 1.33% | 10.23% | 3.24% |
| Q4 2024 | 15.90% | 1.33% | 1.26% | 10.31% | 3.38% |
| Q3 2024 | 16.00% | 1.40% | 1.25% | 9.58% | 3.31% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and 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 all 4,157 branches →
| 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 Wes Holding Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2011 | M&A | merger | SEC |
| July 1, 2011 | Structure Change | Acquired Wells Fargo Trade Capital, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 6, 2011 | Structure Change | Acquired Wachovia Mortgage Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2011 | Structure Change | Acquired Wells Fargo Central Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 | Structure Change | Acquired Wells Fargo Education Finance Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 21, 2010 | M&A | merger | SEC |
| July 15, 2010 | M&A | merger | SEC |
| July 15, 2010 | Structure Change | Acquired Calibre Advisory Services, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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 | merger | SEC |
| March 20, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 20, 2010 | Structure Change | Acquired Wachovia Bank of Delaware, National Association 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 | Structure Change | Acquired Wells Fargo Bank Southwest, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 | 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 |
| January 1, 2009 | Structure Change | Acquired Wells Fargo Bank Grand Junction, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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
What the public regulatory sources show for Wells Fargo Bank, 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
- 31 against the institution (OCC); 143 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.
- 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, 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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Wells Fargo Bank, N.A. headquartered?
Wells Fargo Bank, N.A. is headquartered in Sioux Falls, SD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Wells Fargo Bank, N.A. founded?
Wells Fargo Bank, N.A. was established in 1852, per the FDIC institution directory.
Is Wells Fargo Bank, N.A. FDIC-insured?
Yes. Wells Fargo Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #1230). 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Wells Fargo Bank, N.A.'s CET1 capital ratio?
Wells Fargo Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 15.28% 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, N.A. operate?
Wells Fargo Bank, N.A. operates 4,157 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?
Wells Fargo Bank, N.A.'s Texas Ratio is 8.76% 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.
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