Wells Fargo National Bank West
Also written as WFNB West
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Data as of · sourced from FFIEC call reports. How we update
Wells Fargo National Bank West is an FDIC-insured commercial bank headquartered in Las Vegas, NV, established in 1988 (FDIC certificate 27389), and it is supervised by the OCC. At Q2 2026 it reported total assets of $8.77B, down 6.8% from Q2 2025, the 3rd largest of 14 banks headquartered in Nevada.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 27389
- Headquarters
- Las Vegas, NV
- Established
- 1988
- Total assets, Q2 2026
- $8.77B
- Assets vs Q2 2025
- -6.8%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 122402421
- Latest call report
- Q2 2026, FFIEC 031 · Wells Fargo National Bank West call report
- Holding company
- WFC HOLDINGS, LLC
- Asset rank in state
- 3rd of 14 in Nevada
Wells Fargo National Bank West, based in Las Vegas, Nevada, reported $8.8 billion in assets at June 30, 2026, down 6.8% from a year earlier. It returns 5.1% 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. On the other hand, it spends about 22 cents to bring in each dollar of revenue, about a third the median of 58 cents for banks its size.
The balance sheet shrank over the year: over the year loans fell 11.1% and deposits fell 6.4%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.97% of loans from 0.81% a year earlier. Its margin is thin by comparison: it keeps 1.61 cents of net interest income on every dollar of earning assets, about half the median of 3.71 cents for banks its size.
As of June 30, 2026, Wells Fargo National Bank West reported a CET1 capital ratio of 64.87%, a return on assets of 0.96%, a nonperforming-loan ratio of 0.97% and a Texas ratio of 2.71%. The figures come from its call report filed with the FFIEC.
Wells Fargo National Bank West ranks as the 3rd largest of the 14 banks based in Nevada, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.9% to $8.77B, loans fell 3.3% and deposits fell 4.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 100.0% of total loans. The FDIC Summary of Deposits lists a single office for it, in Las Vegas, NV. On its Q2 2026 call report, Wells Fargo National Bank West meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4455 Spring Mountain Rd, Las Vegas, NV 89102
- County
- Clark
- Metro Area
- Las Vegas-Henderson-North Las Vegas, NV
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- December 1, 1988
- Former names
- Wells Fargo Financial National Bank (2000-2019)
- Domestic offices
- 1 FDIC institution directory, current count
- Domestic deposits
- $6.93B
- Allowance for credit losses
- $15.9M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $8.82B
- Average total loans
- $4.82B
- Average interest-bearing deposits
- $6.87B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 1, 1988
- FDIC Cert
- 27389
- Fed RSSD
- 1225761
- 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
Over the 12 quarters to Q2 2026, Wells Fargo National Bank West's total assets ran between $8.77B (Q2 2026) and $15.43B (Q3 2023), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$8.77B total assets against $9.41B; $7.09B total liabilities against $7.86B.
$4.73B net loans and leases against $5.32B; $6.93B total deposits against $7.41B.
$2.13B securities against $2.10B; $1.76B cash and balances due against $1.92B.
$74.1M total interest income against $91.7M; $39.0M total interest expense against $53.6M.
$35.2M net interest income against $38.1M.
-$592K total noninterest income against -$949K; $7.5M total noninterest expense against $10.0M.
-$655K provision for credit losses against -$263K.
$21.1M net income against $22.3M.
0.96% return on assets against 0.90%; 1.61% net interest margin against 1.55%.
64.87% CET1 capital ratio against 52.00%; 19.19% tier 1 leverage ratio against 15.93%.
Inside the full Wells Fargo National Bank West terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWells Fargo National Bank West rankings
Its closest position to the top of a national ranking is 14 of 3,606, for efficiency ratio; its furthest is 974 of 980, for uninsured deposits.
Metric pages for Wells Fargo National Bank West: Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.71% (Q3 2024) to 1.01% (Q4 2024) and its net interest margin ran from 1.48% (Q3 2024) to 1.62% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 64.87% | 0.96% | 0.97% | 2.71% | 1.61% |
| Q1 2026 | 59.16% | 1.00% | 0.87% | 2.57% | 1.62% |
| Q4 2025 | 57.38% | 0.94% | 0.82% | 2.56% | 1.59% |
| Q3 2025 | 54.25% | 0.88% | 0.91% | 2.98% | 1.60% |
| Q2 2025 | 52.00% | 0.90% | 0.81% | 2.76% | 1.55% |
| Q1 2025 | 47.58% | 0.78% | 0.77% | 2.75% | 1.52% |
| Q4 2024 | 45.42% | 1.01% | 0.84% | 3.11% | 1.50% |
| Q3 2024 | 43.98% | 0.71% | 0.79% | 3.16% | 1.48% |
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 National Bank West (main office) | Las Vegas , NV | 89102 | $6.93B |
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
- 5.9% of deposits in NV, rank 8 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, 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 National Bank West
What are Wells Fargo National Bank West's total assets?
As of the Q2 2026 filing, Wells Fargo National Bank West reported total assets of $8.77 billion in its FFIEC call report.
Where is Wells Fargo National Bank West headquartered?
It is headquartered in Las Vegas, NV, United States.
When was Wells Fargo National Bank West founded?
It was established in 1988, per the FDIC institution directory.
Is Wells Fargo National Bank West FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27389). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wells Fargo National Bank West?
Wells Fargo National Bank West's primary federal regulator is the OCC.
What is Wells Fargo National Bank West's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 64.87% 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 National Bank West 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 National Bank West's Texas Ratio?
Its Texas Ratio is 2.71% 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 National Bank West previously called?
The charter now named Wells Fargo National Bank West has also operated as Wells Fargo Financial National Bank (2000-2019), per FDIC structure-change records.
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