Wells Fargo Bank South Central
Wells Fargo Bank South Central reported total assets of $2.6 bn at Q2 2026, down 26.5% on a year earlier, the 483rd largest of 497 banks in our US coverage. The CET1 capital ratio at Wells Fargo Bank South Central was 80.53%, and the uninsured share of Wells Fargo Bank South Central was 0.46%. Source: FDIC Call Reports.
Key takeaways
- On total assets, Wells Fargo Bank South Central slipped from 366th to 483rd among 497 US banks between and (1 = highest; FDIC Call Reports).
- Wells Fargo Bank South Central reports one of the lowest efficiency ratio readings among banks of $1 bn to $10 bn: 14.50% at , where the median of the 339 banks is 56.87% (FDIC Call Reports).
- At 80.53%, the common equity tier 1 (CET1) ratio of Wells Fargo Bank South Central sits in the top tenth of its size group ($1 bn to $10 bn, 287 banks), where the median is 13.22% (FDIC Call Reports).
What sets Wells Fargo Bank South Central apart
- Few banks of $1 bn to $10 bn report a higher tier 1 leverage ratio than Wells Fargo Bank South Central, at 29.69% in against a group median of 10.45%.
- Wells Fargo Bank South Central reports one of the lowest uninsured share of domestic deposits readings among banks of $1 bn to $10 bn: 0.46% at , where the median of the 339 banks is 32.61%.
- The net interest margin of Wells Fargo Bank South Central, 2.35% at , places Wells Fargo Bank South Central in the bottom tenth of banks of $1 bn to $10 bn (group median 3.66%).
How large is Wells Fargo Bank South Central?
The balance sheet of Wells Fargo Bank South Central at : assets $2.6 bn, deposits $1.7 bn, net loans $1.7 bn (loans equal to 102.12% of deposits). Since , when Wells Fargo Bank South Central held $8.8 bn, its assets shrank 70.6%. In the year to , deposits at Wells Fargo Bank South Central fell 30.5% while its total assets fell 26.5%.
How much funding at Wells Fargo Bank South Central is uninsured?
At Wells Fargo Bank South Central, uninsured deposits (above the FDIC limit) made up 0.46% of domestic deposits at (-6.91 pp on a year earlier); Wells Fargo Bank South Central ranks 498th of 500 on this measure. In dollars, Wells Fargo Bank South Central estimated $7.8 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $1.7 bn | -30.5% | 496th of 499 |
| Net loans and leases | $1.7 bn | -14.5% | 473rd of 500 |
| Loan-to-deposit ratio | 102.12% | +19.06 pp | 42nd of 500 |
| Tier 1 leverage ratio | 29.69% | +8.84 pp | 3rd of 500 |
| Total risk-based capital ratio | 80.84% | +16.70 pp | 2nd of 448 |
| Net interest margin | 2.35% | +0.38 pp | 468th of 500 |
| Return on assets (ROA) | 1.62% | +0.13 pp | 119th of 500 |
| Efficiency ratio | 14.50% | -1.70 pp | 3rd of 500 (1 = lowest) |
| Noncurrent loans to total loans | 1.24% | -0.19 pp | 400th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.01% | -0.02 pp | 96th of 500 (1 = lowest) |
US rank of Wells Fargo Bank South Central: 1 = highest unless marked 1 = lowest.
Balance sheet
Wells Fargo Bank South Central: assets, deposits and loans
- Total assets $2.6bn
- Deposits $1.7bn
- Net loans $1.7bn
Capital and securities
The CET1 ratio of Wells Fargo Bank South Central stood at 80.53% in , +16.68 pp year on year. Low and high at Wells Fargo Bank South Central since : 19.85% () to 80.53% (). Equity capital of Wells Fargo Bank South Central at : $780.2 mn, or 30.1% of total assets. Wells Fargo Bank South Central also reported a total capital ratio of 80.84% for , and a tier 1 leverage ratio of 29.69%.
Wells Fargo Bank South Central: capital ratios
- Total capital 81%
- CET1 81%
- Tier 1 leverage 30%
Wells Fargo Bank South Central: unrealized securities gains and losses
- Available for sale $0
- Held to maturity $0
Profitability and loan quality
For the year to , Wells Fargo Bank South Central earned a return on equity of 5.69%; return on assets: 1.62%. Net interest margin at Wells Fargo Bank South Central: 2.35%, +0.38 pp in a year. Wells Fargo Bank South Central net income: $21.9 mn, down 28.4% year on year. The efficiency ratio of Wells Fargo Bank South Central was 14.50%: about 14 cents cost per revenue dollar, against 61 cents at the median peer.
At , noncurrent loans were 1.24% of total loans at Wells Fargo Bank South Central; net charge-offs: 0.01% of average loans. Gross loans and leases at Wells Fargo Bank South Central: $1.7 bn, down 14.6% in a year.
Wells Fargo Bank South Central: profitability
- Return on equity 5.7%
- Net interest margin 2.3%
- Return on assets 1.6%
Peer group of Wells Fargo Bank South Central
The peer group of Wells Fargo Bank South Central is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Wells Fargo Bank South Central (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 2 have head offices in Texas. Against them, Wells Fargo Bank South Central shows CET1 ratio 80.53% against a peer median of 13.93%, return on equity 5.69% against a peer median of 9.87% and uninsured deposit share 0.46% against a peer median of 26.25%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Dedham Institution for Savings | State-chartered stock savings bank | MA | $2.6 bn | 13.93% | 7.99% | 35.75% | |
| KS StateBank | State nonmember bank | KS | $2.6 bn | not reported | 15.22% | 21.85% | |
| Meridian Bank | State nonmember bank | PA | $2.6 bn | not reported | 7.95% | 30.66% | |
| Wells Fargo Bank South Central | National bank | TX | $2.6 bn | 80.53% | 5.69% | 0.46% | |
| State Bank of Texas | State nonmember bank | TX | $2.6 bn | not reported | 27.93% | 16.58% | |
| First National Bank | National bank | AR | $2.6 bn | 13.42% | 10.46% | 37.85% | |
| Extraco Banks | National bank | TX | $2.6 bn | 15.88% | 9.27% | 19.17% | |
. FDIC Call Reports.
Last eight quarters
Two years at Wells Fargo Bank South Central, to : assets -33.2%, deposits -42.7%, equity -0.6%. Staff 2 to 0.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.9 bn | $4.5 bn | $4.3 bn | $3.5 bn | $3.7 bn | $2.8 bn | $2.7 bn | $2.6 bn |
| Total deposits | $2.9 bn | $3.5 bn | $3.3 bn | $2.4 bn | $2.7 bn | $1.9 bn | $1.8 bn | $1.7 bn |
| Bank equity capital | $784.8 mn | $804.4 mn | $820.2 mn | $837.7 mn | $851.1 mn | $758.3 mn | $770.0 mn | $780.2 mn |
| CET1 ratio | 54.22% | 52.08% | 54.91% | 63.85% | 67.80% | 71.72% | 75.99% | 80.53% |
| Return on equity (ROE) | 5.35% | 5.88% | 7.10% | 7.46% | 7.01% | 6.85% | 6.11% | 5.69% |
| Uninsured share of domestic deposits | 11.94% | 12.75% | 12.93% | 7.37% | 0.29% | 0.41% | 0.44% | 0.46% |
| Full-time equivalent employees | 2 | 3 | 2 | 2 | 2 | 2 | 0 | 0 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Wells Fargo Bank South Central
- Total assets at Wells Fargo Bank South Central changed by +27.3% in the quarter to 2020-03-31, with no FDIC structure event in that quarter.
- Total assets at Wells Fargo Bank South Central changed by -29.0% in the quarter to 2020-12-31, with no FDIC structure event in that quarter.
- Total assets at Wells Fargo Bank South Central changed by +51.9% in the quarter to 2022-03-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Wells Fargo Bank South Central?
Wells Fargo Bank South Central reported $2.6 bn at in its Call Report. That makes Wells Fargo Bank South Central the 483rd largest of 497 banks in our US coverage.
Is Wells Fargo Bank South Central the same as its holding company?
No. This page covers Wells Fargo Bank South Central, FDIC certificate 5146; WELLS FARGO&COMPANY (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Wells Fargo Bank South Central profitable?
Wells Fargo Bank South Central reported net income of $21.9 mn for the year to ; annualized return on equity: 5.69%. So yes: Wells Fargo Bank South Central made a profit over these months.
When is data for Wells Fargo Bank South Central next updated?
Figures from Wells Fargo Bank South Central for are due after .
Where can I check the figures for Wells Fargo Bank South Central?
In the FDIC BankFind Suite record for certificate 5146, and in the Call Reports of Wells Fargo Bank South Central (RSSD ID 2362458) at the FFIEC Central Data Repository.