Wells Fargo Bank South Central, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 2.61 percentage points in Q2 2026, from 99.65% to 102.26%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Wells Fargo Bank South Central, N.A. is 161st of 345 on return on assets, 1.56% as of Q2 2026, above the middle of the field. Wells Fargo Bank South Central, N.A. reported 1.56% on return on assets for Q2 2026, 0.28 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 279.70% |
| Tier 1 risk-based capital ratio | 279.70% |
| Total risk-based capital ratio | 280.03% |
| Tier 1 leverage ratio | 29.69% |
| Equity capital to assets | 30.12% |
| Tangible equity to tangible assets | 30.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.21% |
| Non-performing assets ratio | 0.81% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 2.73% |
| Allowance for credit losses to loans | 0.13% |
| Reserve coverage of non-performing loans | 10.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.56% |
| Return on equity | 5.28% |
| Net interest margin | 2.36% |
| Efficiency ratio | 13.54% |
| Yield on earning assets | 3.74% |
| Cost of funds | 2.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.26% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 64.60% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 147.87% | 147.87% | 148.36% | 19.27% | 0.23% |
| Q4 2023 | 145.07% | 145.07% | 145.56% | 19.81% | 0.36% |
| Q1 2024 | 146.79% | 146.79% | 147.28% | 19.90% | 0.97% |
| Q2 2024 | 152.43% | 152.43% | 152.79% | 20.41% | 1.17% |
| Q3 2024 | 155.81% | 155.81% | 156.09% | 20.64% | 1.08% |
| Q4 2024 | 161.24% | 161.24% | 161.73% | 19.53% | 1.43% |
| Q1 2025 | 181.25% | 181.25% | 181.53% | 18.61% | 1.31% |
| Q2 2025 | 225.68% | 225.68% | 226.14% | 20.86% | 1.61% |
| Q3 2025 | 224.17% | 224.17% | 224.49% | 23.42% | 1.43% |
| Q4 2025 | 252.37% | 252.37% | 252.75% | 23.71% | 1.53% |
| Q1 2026 | 281.90% | 281.90% | 282.26% | 28.01% | 1.70% |
| Q2 2026 | 279.70% | 279.70% | 280.03% | 29.69% | 1.56% |
Wells Fargo Bank South Central, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wells Fargo Bank South Central, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)