Wells Fargo Trust Company Financial Reports (Ogden, UT)

Wells Fargo Trust Company, N.A. is a non-insured non-depository trust company headquartered in Ogden, UT, established in 1881, and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.33B, down 4.9% from Q2 2025.

Charter: Non-depository trust company
Regulator: OCC
Deposit insurance: Not FDIC-insured
Headquarters: Ogden, UT
Established: 1881
Total assets, Q2 2026: $1.33B
Assets vs Q2 2025: -4.9%
Capital ratio: Not reported
Domestic offices: 1 FDIC institution directory, current count
Routing number: 124303191
Latest call report: Q2 2026, FFIEC 031 · Wells Fargo Trust Company, N.A. call report
Holding company: WFC HOLDINGS, LLC

Assets

$1.33B

Deposits

Loans

Equity

$1.27B

Wells Fargo Trust Company, N.A. is one of the more profitable banks of its size. It reported $1.3 billion in assets at June 30, 2026, down 4.9% from a year earlier. It earns about $2.15 a year on every $100 of assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also holds common equity equal to 386.74% of its risk-weighted assets, 28.6 times the median of 13.52% for banks its size.

As of June 30, 2026, Wells Fargo Trust Company, N.A. reported a CET1 capital ratio of 386.74%, a return on assets of 2.15% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.

What stands out

Against the 895 banks with $1 billion to $10 billion in assets, June 30, 2026

Return on assets 2.15% Among the highest of 895 banks $1B to $10B; median 1.29%
Commercial real estate concentration 0% Among the lowest of 895 banks $1B to $10B; median 224%
Texas ratio 0.0% Among the lowest of 895 banks $1B to $10B; median 3.6%

In the top or bottom 5% of its size peers

Percentile: share of the other banks in the tier with a lower value.

Efficiency ratio, bottom 5% 3.60% Lowest value of 893 banks with $1B to $10B in assets; median 58.32%. June 30, 2026.
Tangible common equity / tangible assets, top 5% 95.65% Highest value of 895 banks with $1B to $10B in assets; median 9.80%. June 30, 2026.
Equity / assets, top 5% 95.65% Highest value of 895 banks with $1B to $10B in assets; median 10.38%. June 30, 2026.
Leverage ratio, top 5% 95.95% 99th percentile of 895 banks with $1B to $10B in assets; median 10.52%. June 30, 2026.
CET1 ratio, top 5% 386.74% 99th percentile of 675 banks with $1B to $10B in assets; median 13.52%. June 30, 2026.
Total risk-based ratio, top 5% 386.74% 99th percentile of 675 banks with $1B to $10B in assets; median 14.66%. June 30, 2026.

From Q1 2026 to Q2 2026, its total assets rose 0.4% to $1.33B. Its one office in the FDIC Summary of Deposits is in Ogden, UT. On its Q2 2026 call report, Wells Fargo Trust Company, N.A. meets every capital ratio test for well capitalized.

Headquarters Profile

Address: 2389 Washington Blvd, Ogden, UT 84401
County: Weber
Metro Area: Ogden, UT
Charter: Non-insured non-deposit commercial bank and/or trust company, OCC/state/territory-regulated
Primary Regulator: OCC
FDIC Region: San Francisco (Region 14)
Federal Reserve member: —
Federal Reserve district: District 12, San Francisco
Fiduciary (trust) powers: Full trust powers granted
Call Report form: FFIEC 031
Established: January 1, 1881
Former names: Wells Fargo Bank Northwest, National Association (2001-2018); First Security Bank, National Association (1996-2001)
Domestic offices: 1 FDIC institution directory, current count
Domestic deposits: $0
Allowance for credit losses: $0
Net charge-offs (YTD): $0
Average total assets: $1.33B
Average total loans: $0
Average interest-bearing deposits: $0
Tax status: C corporation
Ownership: Stock
FDIC Cert: 13718
Fed RSSD: 688079
LEI: 5493007K4IDDY8NNT424 →
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 annualized

Return on Assets2.15%YTD 2.03%

Return on Equity2.25%YTD 2.12%

Net Interest Margin3.69%YTD 3.67%

Yield on Earning Assets3.69%

Cost of Funds—

Asset Quality

Non-Performing Loan Ratio—

Net Charge-Off Ratio—

Texas Ratio0.00%

Non-Performing Asset Ratio0.00%

Allowance for credit losses to total loans—

Capital & Liquidity

CET1 Capital Ratio386.74%

Tier 1 Capital Ratio386.74%

Total Capital Ratio386.74%

Tier 1 Leverage Ratio95.95%

Loan-to-Deposit Ratio—

Balance Sheet

Total liabilities$57.9M

Cash & balances due$750.8M

Securities, available-for-sale$0

Securities, held-to-maturity$0

Goodwill & intangibles$0

Income Statement

Net income Q2$7.1M

Net interest income YTD$14.2M

Total interest income YTD$14.2M

Total interest expense YTD$0

Provision for credit losses YTD$0

Operating & Funding

Total noninterest income YTD$2.7M

Total noninterest expense YTD$657K

Efficiency Ratio3.60%

Net Interest Spread—

Core Deposit Ratio—

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 Trust Company, N.A.'s total assets ran between $1.32B (Q4 2025) and $1.41B (Q3 2025), 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

Total assets and total liabilities

$1.33B total assets against $1.40B; $57.9M total liabilities against $57.9M.

Loans and leases against deposits

$0 net loans and leases against $0; $0 total deposits against $0.

Securities and cash

$0 securities against $0; $750.8M cash and balances due against $811.9M.

Interest income against interest expense

$7.2M total interest income against $9.2M; $0 total interest expense against $0.

Net interest income

$7.2M net interest income against $9.2M.

Noninterest income against noninterest expense

$1.7M total noninterest income against -$360K; $319K total noninterest expense against $434K.

Provision for credit losses

No provision recorded in the last 12 quarters.

Net income

$7.1M net income against $6.6M.

Return on assets and net interest margin

2.15% return on assets against 1.89%; 3.69% net interest margin against 4.41%.

CET1 and Tier 1 leverage ratios

386.74% CET1 capital ratio against 383.65%; 95.95% tier 1 leverage ratio against 96.10%.

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21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts

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Quarterly trend: last 8 quarters

From Q3 2024 to Q2 2026, its return on assets ran from 1.86% (Q1 2025) to 3.12% (Q3 2024) and its net interest margin ran from 3.65% (Q1 2026) to 5.34% (Q3 2024).

Quarter	CET1	ROA	NPL	Texas	NIM
Q2 2026	386.74%	2.15%	—	0.00%	3.69%
Q1 2026	382.40%	1.91%	—	0.00%	3.65%
Q4 2025	382.18%	1.95%	—	0.00%	3.99%
Q3 2025	387.83%	1.93%	—	0.00%	4.42%
Q2 2025	383.65%	1.89%	—	0.00%	4.41%
Q1 2025	376.70%	1.86%	—	0.00%	4.36%
Q4 2024	460.03%	2.55%	—	0.00%	4.74%
Q3 2024	455.43%	3.12%	—	0.00%	5.34%

Swipe the table sideways to see every column.

Branch Network

View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2017. The domestic office count above is the FDIC's current figure, so the two can differ.

1–1 of 1

Branch	Location	ZIP	Deposits
Wells Fargo Bank Northwest, National Association	Ogden , UT	84401	$7.00B

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 24, 1997	Merger	Participated in Absorption/Consolidation/Merger	FDIC
November 24, 1997	Structure Change	Acquired First Security Bank of Wyoming Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank	FFIEC NIC
May 24, 1997	Structure Change	Acquired First Security Bank of Oregon Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank	FFIEC NIC
May 23, 1997	Merger	Participated in Absorption/Consolidation/Merger	FDIC
June 22, 1996	Structure Change	Acquired First Security Bank of Idaho, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank	FFIEC NIC
June 21, 1996	Merger	Participated in Absorption/Consolidation/Merger	FDIC
May 20, 1994	Structure Change	Acquired Community First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank	FFIEC NIC
May 19, 1994	Merger	Participated in Absorption/Consolidation/Merger	FDIC
November 30, 1993	Merger	Participated in Absorption/Consolidation/Merger	FDIC
April 1, 1993	Merger	Participated in Absorption/Consolidation/Merger	FDIC
April 1, 1993	Structure Change	Acquired Dixie State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank	FFIEC NIC
December 27, 1991	Structure Change	Acquired Utah Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank	FFIEC NIC
December 26, 1991	Merger	Participated in Absorption/Consolidation/Merger	FDIC
November 10, 1990	Structure Change	Acquired Deseret Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank	FFIEC NIC
November 9, 1990	Merger	Participated in Absorption/Consolidation/Merger	FDIC
September 15, 1990	Structure Change	Acquired Williamsburg Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank	FFIEC NIC
September 14, 1990	Merger	Participated in FDIC Assisted Merger	FDIC
September 23, 1989	Structure Change	Acquired Davis County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank	FFIEC NIC
September 22, 1989	Merger	Participated in Absorption/Consolidation/Merger	FDIC
May 27, 1989	Merger	Participated in Absorption/Consolidation/Merger	FDIC
May 27, 1989	Structure Change	Acquired First Security Financial Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank	FFIEC NIC
January 31, 1987	Structure Change	Acquired First Security State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank	FFIEC NIC
January 30, 1987	Merger	Participated in Absorption/Consolidation/Merger	FDIC
December 1, 1981	Structure Change	Acquired First Security State Bank of Twelfth Street Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank	FFIEC NIC
November 30, 1981	Merger	Participated in Absorption/Consolidation/Merger	FDIC
July 1, 1981	Structure Change	Acquired First Security Bank of Murray, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank	FFIEC NIC
June 30, 1981	Merger	Participated in Absorption/Consolidation/Merger	FDIC
November 22, 1980	Merger	Participated in Absorption/Consolidation/Merger	FDIC
November 22, 1980	Structure Change	Acquired First Security Bank of Logan, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank	FFIEC NIC
September 1, 1977	Structure Change	Acquired First Security Bank of Bountiful, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank	FFIEC NIC
August 31, 1977	Merger	Participated in Absorption/Consolidation/Merger	FDIC
February 1, 1977	Structure Change	Acquired First Security State Bank of Springville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank	FFIEC NIC
January 31, 1977	Merger	Participated in Absorption/Consolidation/Merger	FDIC
September 5, 1972	Structure Change	Acquired North Davis Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank	FFIEC NIC
September 5, 1972	Merger	Participated in Absorption/Consolidation/Merger	FDIC
March 31, 1962	Structure Change	Charter Discontinued (Merger or Purchase & Assumption)	FFIEC NIC

Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 36 events, scroll the table for the full history.

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.
SBA 7(a) lending: 1 loans, $1.5M approved, $1.5M average. 0.00% of that year's loans have since been charged off; Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
Not on file: Deposit market share, 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 Trust Company, N.A.

What are Wells Fargo Trust Company, N.A.'s total assets?

As of the Q2 2026 filing, Wells Fargo Trust Company, N.A. reported total assets of $1.33 billion in its FFIEC call report.

Where is Wells Fargo Trust Company, N.A. headquartered?

It is headquartered in Ogden, UT, United States.

When was Wells Fargo Trust Company, N.A. founded?

It was established in 1881, per the FDIC institution directory.

Is Wells Fargo Trust Company, N.A. FDIC-insured?

Yes. It is a non-insured non-depository trust company (FDIC Certificate #13718). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.

Who regulates Wells Fargo Trust Company, N.A.?

Wells Fargo Trust Company, N.A.'s primary federal regulator is the OCC.

What is Wells Fargo Trust Company, N.A.'s CET1 capital ratio?

It reported a Common Equity Tier 1 (CET1) capital ratio of 386.74% 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 Trust Company, 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 Trust Company, N.A.'s Texas Ratio?

Its Texas Ratio is 0.00% 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 Trust Company, N.A. previously called?

The charter now named Wells Fargo Trust Company, N.A. has also operated as Wells Fargo Bank Northwest, National Association (2001-2018), First Security Bank, National Association (1996-2001), per FDIC structure-change records.

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Wells Fargo Trust Company, N.A.

Headquarters Profile

Management

Profitability

Asset Quality

Capital & Liquidity

Balance Sheet

Income Statement

Operating & Funding

Quarterly trends

Inside the full Wells Fargo Trust Company, N.A. terminal

Quarterly trend: last 8 quarters

Branch Network

Events & Regulatory History

Regulatory record

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Frequently asked about Wells Fargo Trust Company, N.A.

What are Wells Fargo Trust Company, N.A.'s total assets?

Where is Wells Fargo Trust Company, N.A. headquartered?

When was Wells Fargo Trust Company, N.A. founded?

Is Wells Fargo Trust Company, N.A. FDIC-insured?

Who regulates Wells Fargo Trust Company, N.A.?

What is Wells Fargo Trust Company, N.A.'s CET1 capital ratio?

How many branches does Wells Fargo Trust Company, N.A. operate?

What is Wells Fargo Trust Company, N.A.'s Texas Ratio?

What was Wells Fargo Trust Company, N.A. previously called?

More on Wells Fargo Trust Company, N.A.

Understanding this data

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