Wells Fargo Bank South Central, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Equity capital to average assets: 1.69 percentage points higher than in Q1 2026, at 29.69%. As of Q2 2026, Wells Fargo Bank South Central, N.A. ranks first in Texas on CET1 ratio among 184 banks, at 279.70%. Wells Fargo Bank South Central, N.A.'s CET1 ratio of 279.70% is well above the 13.48% median for banks in the $1B-10B asset tier, a gap of 266.22 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 279.70% |
| Tier 1 risk-based capital ratio | 279.70% |
| Total risk-based capital ratio | 280.03% |
| Tier 1 leverage ratio | 29.69% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $780.2M |
| Tier 1 capital | $780.2M |
| Total risk-based capital | $783.2M |
| Total equity capital | $780.2M |
| Risk-weighted assets | $968.8M |
Ratios recomputed from the amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital / risk-weighted assets | 80.53% |
| Tier 1 capital / risk-weighted assets | 80.53% |
| Total risk-based capital / risk-weighted assets | 80.84% |
For this bank the reported ratios above do not equal the capital amounts divided by risk-weighted assets. Large banks can report risk-based capital under more than one regulatory approach, and the reported ratio and the risk-weighted assets shown here may come from different approaches. These rows divide the reported capital amounts by the reported risk-weighted assets. The lower of the two figures is the more conservative reading.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 30.12% |
| Tangible equity to tangible assets | 30.12% |
| Equity capital to average assets | 29.69% |
| Internal capital growth rate | 5.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.5M |
| Common stock surplus | $198.3M |
| Retained earnings | $580.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 147.87% | 147.87% | 148.36% | 19.27% | $1.54B |
| Q4 2023 | 145.07% | 145.07% | 145.56% | 19.81% | $1.53B |
| Q1 2024 | 146.79% | 146.79% | 147.28% | 19.90% | $1.52B |
| Q2 2024 | 152.43% | 152.43% | 152.79% | 20.41% | $1.47B |
| Q3 2024 | 155.81% | 155.81% | 156.09% | 20.64% | $1.46B |
| Q4 2024 | 161.24% | 161.24% | 161.73% | 19.53% | $1.55B |
| Q1 2025 | 181.25% | 181.25% | 181.53% | 18.61% | $1.50B |
| Q2 2025 | 225.68% | 225.68% | 226.14% | 20.86% | $1.31B |
| Q3 2025 | 224.17% | 224.17% | 224.49% | 23.42% | $1.26B |
| Q4 2025 | 252.37% | 252.37% | 252.75% | 23.71% | $1.06B |
| Q1 2026 | 281.90% | 281.90% | 282.26% | 28.01% | $1.01B |
| Q2 2026 | 279.70% | 279.70% | 280.03% | 29.69% | $968.8M |
Wells Fargo Bank South Central, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Wells Fargo Bank South Central, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Wells Fargo Bank South Central, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5146) · FFIEC NIC profile (RSSD 2362458)