Wells Fargo Bank, N.A.: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Wells Fargo Bank, N.A. of Sioux Falls, SD against its peer group of 18 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $250B or more in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.46% | 1.23% | +0.23% | 82nd best quarter |
| ROAE | 15.99% | 13.40% | +2.59% | 82nd best quarter |
| Net Interest Margin | 3.04% | 2.88% | +0.16% | 59th better half |
| Efficiency Ratio | 52.73% | 53.68% | -0.95% | 35th better half |
| PPNR / Avg Assets | 1.95% | 1.73% | +0.22% | 76th best quarter |
| Yield on Earning Assets | 4.63% | 4.86% | -0.23% | 35th |
| Cost of Funds | 1.67% | 1.94% | -0.27% | 18th best quarter |
| Net Interest Spread | 2.37% | 2.30% | +0.07% | 53rd better half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 1.04% | 0.76% | +0.28% | 71st worse half |
| NPA / Total Assets | 0.56% | 0.39% | +0.17% | 82nd worst quarter |
| NCO / Avg Loans | 0.36% | 0.33% | +0.03% | 53rd worse half |
| ACL / Total Loans | 1.39% | 1.45% | -0.06% | 47th |
| ACL / NPLs (Coverage) | 133.76% | 163.55% | -29.79% | 29th worse half |
| Texas Ratio | 5.66% | 3.84% | +1.82% | 94th worst quarter |
| Provision / NCO | 104.22% | 95.65% | +8.57% | 86th |
| CRE / Total Capital | 81.77% | 57.19% | +24.58% | 82nd worst quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 12.06% | 13.63% | -1.57% | 18th worst quarter |
| Tier 1 Ratio | 12.06% | 13.73% | -1.67% | 18th worst quarter |
| Total Capital Ratio | 13.50% | 14.82% | -1.32% | 18th worst quarter |
| Leverage Ratio | 8.02% | 9.14% | -1.12% | 41st worse half |
| Equity / Assets | 8.88% | 9.38% | -0.50% | 41st worse half |
| TCE / Tangible Assets | 7.79% | 7.94% | -0.15% | 35th worse half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 63.82% | 61.69% | +2.13% | 53rd |
| Core Deposit Ratio | 89.75% | 89.83% | -0.08% | 47th worse half |
| Uninsured Deposit Ratio | 50.28% | 44.57% | +5.71% | 76th worst quarter |
| Borrowings / Total Assets | 5.57% | 7.01% | -1.44% | 35th better half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.25% | 7.25% | +2.00% | 65th |
| Loan Growth (Y/Y) | 11.53% | 10.90% | +0.63% | 53rd |
| Deposit Growth (Y/Y) | 11.78% | 6.37% | +5.41% | 71st |
See Wells Fargo Bank, N.A.'s peers by name
The 18 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Wells Fargo Bank, N.A. profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Wells Fargo Bank, N.A. peer analysis.