WEX Bank: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 108.40 percentage points higher than in Q1 2026, at 292.63%. Within Utah, WEX Bank is 7th of 44 on return on assets, 4.61% as of Q2 2026. WEX Bank's return on assets of 4.61% is well above the 1.29% median for banks in the $10B-100B asset tier, a gap of 3.32 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.70% |
| Tier 1 risk-based capital ratio | 12.70% |
| Total risk-based capital ratio | 13.48% |
| Tier 1 leverage ratio | 8.93% |
| Equity capital to assets | 7.99% |
| Tangible equity to tangible assets | 7.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.44% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | 1.65% |
| Texas ratio | 2.11% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 292.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 4.61% |
| Return on equity | 58.55% |
| Net interest margin | 10.92% |
| Efficiency ratio | 56.54% |
| Yield on earning assets | 13.87% |
| Cost of funds | 2.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.42% |
| Core deposits to total deposits | 81.55% |
| Brokered deposits to total deposits | 18.17% |
| Deposits to assets | 73.83% |
| Securities to assets | 47.01% |
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 | 13.58% | 13.58% | 14.83% | 10.20% | 5.02% |
| Q4 2023 | 15.11% | 15.11% | 16.27% | 10.21% | 6.38% |
| Q1 2024 | 13.60% | 13.60% | 14.67% | 10.01% | 3.99% |
| Q2 2024 | 13.10% | 13.10% | 14.15% | 9.63% | 4.97% |
| Q3 2024 | 13.17% | 13.17% | 14.10% | 9.38% | 6.16% |
| Q4 2024 | 14.47% | 14.47% | 15.36% | 9.01% | 4.15% |
| Q1 2025 | 13.10% | 13.10% | 13.82% | 9.29% | 5.03% |
| Q2 2025 | 12.90% | 12.90% | 13.67% | 9.24% | 4.80% |
| Q3 2025 | 14.20% | 14.20% | 15.05% | 9.24% | 4.56% |
| Q4 2025 | 14.98% | 14.98% | 15.94% | 9.04% | 4.46% |
| Q1 2026 | 12.90% | 12.90% | 13.77% | 9.13% | 4.03% |
| Q2 2026 | 12.70% | 12.70% | 13.48% | 8.93% | 4.61% |
WEX Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock WEX Bank, 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 WEX Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34697) · FFIEC NIC profile (RSSD 2700984)