Wells Fargo Bank South Central, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Wells Fargo Bank South Central, N.A. of Houston, TX against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.56% | 1.46% | +0.10% | 70th above |
| ROAE | 5.28% | 12.70% | -7.42% | 11th bottom |
| Net Interest Margin | 2.36% | 3.85% | -1.49% | 4th bottom |
| Efficiency Ratio | 13.54% | 57.44% | -43.90% | 99th top |
| PPNR / Avg Assets | 2.01% | 1.88% | +0.13% | 69th above |
| Yield on Earning Assets | 3.74% | 5.72% | -1.98% | 2nd bottom |
| Cost of Funds | 2.13% | 2.02% | +0.11% | 42nd below |
| Net Interest Spread | 1.65% | 3.18% | -1.53% | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.21% | 1.00% | +0.21% | 27th below |
| NPA / Total Assets | 0.81% | 0.76% | +0.05% | 31st below |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 56th above |
| ACL / Total Loans | 0.13% | 1.31% | -1.18% | 0th bottom |
| ACL / NPLs (Coverage) | 10.95% | 564.93% | -553.98% | 0th bottom |
| Texas Ratio | 2.73% | 7.39% | -4.66% | 69th above |
| Provision / NCO | 153.33% | 619.10% | -465.77% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 279.70% | 17.02% | +262.68% | 100th top |
| Tier 1 Ratio | 279.70% | 17.05% | +262.65% | 100th top |
| Total Capital Ratio | 280.03% | 18.10% | +261.93% | 100th top |
| Leverage Ratio | 29.69% | 11.42% | +18.27% | 99th top |
| Equity / Assets | 30.12% | 11.32% | +18.80% | 99th top |
| TCE / Tangible Assets | 30.12% | 10.48% | +19.64% | 99th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.26% | 86.94% | +15.32% | 13th bottom |
| Core Deposit Ratio | 100.00% | 85.54% | +14.46% | 100th top |
| Uninsured Deposit Ratio | 0.46% | 33.16% | -32.70% | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -26.52% | 9.72% | -36.24% | 0th bottom |
| Loan Growth (Y/Y) | -14.55% | 8.08% | -22.63% | 2nd bottom |
| Deposit Growth (Y/Y) | -30.48% | 7.91% | -38.39% | 0th bottom |
See Wells Fargo Bank South Central, N.A.'s peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Wells Fargo Bank South Central, N.A., 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 South Central, N.A. profile, how to read a UBPR, or how this data updates.