Wells Fargo Bank South Central, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Wells Fargo Bank South Central, N.A. is an FDIC-insured commercial bank headquartered in Houston, TX, supervised by the OCC, with $2.59B in total assets at Q2 2026, down 26.5% from Q2 2025, the 40th largest of 346 banks headquartered in Texas. It was established in 1894 and holds FDIC certificate 5146.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5146
- Headquarters
- Houston, TX
- Established
- 1894
- Total assets, Q2 2026
- $2.59B
- Assets vs Q2 2025
- -26.5%
- Capital ratio
- Not reported
- Domestic offices
- 1 · Wells Fargo Bank South Central, N.A. branches FDIC institution directory, current count
- Routing number
- 113093852
- Latest call report
- Q2 2026, FFIEC 031 · Wells Fargo Bank South Central, N.A. call report
- Holding company
- WFC HOLDINGS, LLC
- Asset rank in state
- 40th of 346 in Texas
Wells Fargo Bank South Central, N.A., based in Houston, Texas, reported $2.6 billion in assets at June 30, 2026, down 26.5% from a year earlier. It returns 5.3% a year on shareholders' equity, about a third the median of 12.7% for the 880 banks with $1 billion to $10 billion in assets. It also keeps 2.36 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
Earnings fell sharply: quarterly net income of $10 million was 37% below a year earlier. Over the same year, loans shrank 14.6% and deposits shrank 30.5%.
As of June 30, 2026, Wells Fargo Bank South Central, N.A. reported a CET1 capital ratio of 80.53%, a return on assets of 1.56%, a nonperforming-loan ratio of 1.24% and a Texas ratio of 2.73%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Wells Fargo Bank South Central, N.A. is the 40th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 4.1% to $2.59B, loans fell 3.9% and deposits fell 6.3%. 1-4 family residential loans made up 100.0% of its total loans on June 30, 2026, its largest category. The FDIC Summary of Deposits lists a single office for it, in Houston, TX. Judged on its Q2 2026 call report, Wells Fargo Bank South Central, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2005 Taylor St, Houston, TX 77007
- County
- Harris
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 031
- Established
- June 18, 1894
- Former names
- WF National Bank South Central (2000-2008); Norwest Bank Faribault, National Association (1995-2000); Norwest Bank Minnesota South, National Association (1988-1995)
- Domestic offices
- 1 FDIC institution directory, current count
- Domestic deposits
- $1.67B
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $75K
- Average total assets
- $2.63B
- Average total loans
- $1.74B
- Average interest-bearing deposits
- $1.69B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5146
- Fed RSSD
- 2362458
- 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
Wells Fargo Bank South Central, N.A.'s total assets moved between a low of $2.59B (Q2 2026) and a high of $4.47B (Q4 2024) from Q3 2023 to 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
$2.59B total assets against $3.53B; $1.81B total liabilities against $2.69B.
$1.71B net loans and leases against $2.00B; $1.67B total deposits against $2.41B.
$0 securities against $0; $840.7M cash and balances due against $1.48B.
$24.3M total interest income against $40.9M; $9.0M total interest expense against $21.6M.
$15.3M net interest income against $19.3M.
-$2K total noninterest income against $33K; $2.1M total noninterest expense against $3.0M.
-$212K provision for credit losses against $478K.
$10.2M net income against $16.2M.
1.56% return on assets against 1.61%; 2.36% net interest margin against 1.95%.
80.53% CET1 capital ratio against 63.85%; 29.69% tier 1 leverage ratio against 20.86%.
Inside the full Wells Fargo Bank South Central, 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Wells Fargo Bank South Central, N.A. rankings
Its closest position to the top of a national ranking is 6 of 3,606, for efficiency ratio; its furthest is 978 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.08% (Q3 2024) to 1.70% (Q1 2026) and its net interest margin ran from 1.77% (Q4 2024) to 2.36% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 80.53% | 1.56% | 1.24% | 2.73% | 2.36% |
| Q1 2026 | 75.99% | 1.70% | 1.21% | 2.82% | 2.34% |
| Q4 2025 | 71.72% | 1.53% | 1.39% | 3.37% | 2.35% |
| Q3 2025 | 67.80% | 1.43% | 1.43% | 3.22% | 2.04% |
| Q2 2025 | 63.85% | 1.61% | 1.43% | 3.34% | 1.95% |
| Q1 2025 | 54.91% | 1.31% | 1.27% | 3.17% | 1.87% |
| Q4 2024 | 52.08% | 1.43% | 1.27% | 3.44% | 1.77% |
| Q3 2024 | 54.22% | 1.08% | 1.25% | 3.60% | 1.87% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Wells Fargo Bank South Central, N.A. (main office) | Houston , TX | 77007 | $1.67B |
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, 2009 | Structure Change | Acquired Wachovia Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 7 against the institution (Federal Reserve); 2 against individuals associated with it
- March 24, 2023, Federal Reserve: Civil Money Penalty: Wells Fargo & Company, San Francisco, California
- April 8, 2020, Federal Reserve: Amendment to February 2, 2018 Order to Cease and Desist: Wells Fargo & Company, San Francisco, California
- February 2, 2018, Federal Reserve: Cease and Desist Order: Wells Fargo & Company, San Francisco, California
- February 28, 2013, Federal Reserve: Amendment to 4/13/2011 Order to Cease and Desist: Wells Fargo & Company, San Francisco, California
- February 9, 2012, Federal Reserve: Civil Money Penalty, $87,000,000: Wells Fargo & Company, San Francisco, California
- Period: Most recent institution action March 24, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in TX, rank 76 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $91K approved, $30K average. 33.33% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 South Central, N.A.
What are Wells Fargo Bank South Central, N.A.'s total assets?
As of the Q2 2026 filing, Wells Fargo Bank South Central, N.A. reported total assets of $2.59 billion in its FFIEC call report.
Where is Wells Fargo Bank South Central, N.A. headquartered?
It is headquartered in Houston, TX, United States.
When was Wells Fargo Bank South Central, N.A. founded?
It was established in 1894, per the FDIC institution directory.
Is Wells Fargo Bank South Central, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5146). 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 South Central, N.A.?
Wells Fargo Bank South Central, N.A.'s primary federal regulator is the OCC.
What is Wells Fargo Bank South Central, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 80.53% 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 South Central, N.A. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wells Fargo Bank South Central, N.A.'s Texas Ratio?
Its Texas Ratio is 2.73% 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 South Central, N.A. previously called?
The charter now named Wells Fargo Bank South Central, N.A. has also operated as WF National Bank South Central (2000-2008), Norwest Bank Faribault, National Association (1995-2000), Norwest Bank Minnesota South, National Association (1988-1995), per FDIC structure-change records.
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