Wells Fargo Trust Company, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Wells Fargo Trust Company, N.A. is an FDIC-insured commercial bank. Total assets stand at $1.3B. Profitability is strong, 2.15% ROA, paired with 2.25% ROE and a 3.69% net interest margin. A CET1 ratio of 386.74% reflects a balance sheet with almost no risk-weighted lending, typical of a trust or nondepository charter; it is not comparable with commercial bank capital levels. The bank operates from a single office.
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%, a Texas ratio of 0.00%, per financial data filed with the FFIEC.
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)
- Offices
- 1 domestic
- 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
- 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)
Asset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Wells Fargo Trust Company, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| 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
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1 branches →
| 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 Bank of Orem, National Association 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 | 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 |
| 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
What the public regulatory sources show for Wells Fargo Trust Company, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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
- Not on file: no SoD deposits in its home state
- Period: not on file. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Wells Fargo Trust Company, N.A. headquartered?
Wells Fargo Trust Company, N.A. is headquartered in Ogden, UT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Wells Fargo Trust Company, N.A. founded?
Wells Fargo Trust Company, N.A. was established in 1881, per the FDIC institution directory.
Is Wells Fargo Trust Company, N.A. FDIC-insured?
Yes. Wells Fargo Trust Company, N.A. is an FDIC-insured commercial bank (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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Wells Fargo Trust Company, N.A.'s CET1 capital ratio?
Wells Fargo Trust Company, N.A. 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?
Wells Fargo Trust Company, N.A. 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?
Wells Fargo Trust Company, N.A.'s Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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