Wells Fargo Bank
Wells Fargo Bank reported total assets of $1,907.9 bn at Q2 2026, up 9.2% on a year earlier, the 4th largest of 497 banks in our US coverage. The CET1 capital ratio at Wells Fargo Bank was 12.06%, and the uninsured share of Wells Fargo Bank was 50.57%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, Wells Fargo Bank slipped from 217th to 334th among 448 US banks between and (1 = highest; FDIC Call Reports).
What sets Wells Fargo Bank apart
How large is Wells Fargo Bank?
The balance sheet of Wells Fargo Bank at : assets $1,907.9 bn, deposits $1,563.5 bn, net loans $983.9 bn (loans equal to 62.93% of deposits). Securities make up 23.2% of total assets at Wells Fargo Bank. Since , when Wells Fargo Bank held $1,667.8 bn, its assets grew 14.4%. In the year to , deposits at Wells Fargo Bank rose 11.8% while its total assets rose 9.2%. At , Wells Fargo Bank employed 174,186 full-time equivalent staff across 4,188 offices, about $11.0 mn of assets per employee and $373.3 mn of deposits per office.
How much funding at Wells Fargo Bank is uninsured?
At Wells Fargo Bank, uninsured deposits (above the FDIC limit) made up 50.57% of domestic deposits at (+4.49 pp on a year earlier); Wells Fargo Bank ranks 78th of 500 on this measure. In dollars, Wells Fargo Bank estimated $786.2 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $1,563.5 bn | +11.8% | 3rd of 499 |
| Net loans and leases | $983.9 bn | +11.7% | 3rd of 500 |
| Loan-to-deposit ratio | 62.93% | -0.03 pp | 449th of 500 |
| Tier 1 leverage ratio | 8.02% | -0.92 pp | 471st of 500 |
| Total risk-based capital ratio | 13.50% | -1.25 pp | 305th of 448 |
| Net interest margin | 3.13% | -0.16 pp | 384th of 500 |
| Return on assets (ROA) | 1.38% | -0.06 pp | 208th of 500 |
| Efficiency ratio | 54.77% | -1.07 pp | 223rd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $32.5 bn | Narrowed by $5.3 bn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $3.0 bn | Narrowed by $2.1 bn | |
| Noncurrent loans to total loans | 1.04% | -0.29 pp | 368th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.40% | -0.05 pp | 422nd of 500 (1 = lowest) |
US rank of Wells Fargo Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Wells Fargo Bank: assets, deposits and loans
- Total assets $1,908bn
- Deposits $1,564bn
- Net loans $984bn
Capital and securities
The CET1 ratio of Wells Fargo Bank stood at 12.06% in , -1.19 pp year on year. Low and high at Wells Fargo Bank since : 10.46% () to 13.95% (). Equity capital of Wells Fargo Bank at : $169.5 bn, or 8.9% of total assets. Wells Fargo Bank also reported a total capital ratio of 13.50% for , and a tier 1 leverage ratio of 8.02%.
On held-to-maturity securities, Wells Fargo Bank carried an unrealized loss of $32.5 bn at , equal to 19.2% of equity capital. The loss narrowed by $5.3 bn over the year. Its deepest point: $50.4 bn in . The available-for-sale portfolio of Wells Fargo Bank showed an unrealized loss of $3.0 bn at ; the loss narrowed by $2.1 bn over the year.
Wells Fargo Bank: capital ratios
- Total capital 14%
- CET1 12%
- Tier 1 leverage 8.0%
Wells Fargo Bank: unrealized securities gains and losses
- Available for sale -$3.0bn
- Held to maturity -$32.5bn
Profitability and loan quality
For the year to , Wells Fargo Bank earned a return on equity of 14.88%; return on assets: 1.38%. Net interest margin at Wells Fargo Bank: 3.13%, -0.16 pp in a year. Wells Fargo Bank net income: $12.8 bn, up 3.9% year on year. The efficiency ratio of Wells Fargo Bank was 54.77%: about 55 cents cost per revenue dollar, against 53 cents at the median peer.
At , noncurrent loans were 1.04% of total loans at Wells Fargo Bank; net charge-offs: 0.40% of average loans. Gross loans and leases at Wells Fargo Bank: $997.8 bn, up 11.5% in a year.
Wells Fargo Bank: profitability
- Return on equity 15%
- Net interest margin 3.1%
- Return on assets 1.4%
Peer group of Wells Fargo Bank
The peer group of Wells Fargo Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 5 share the charter type of Wells Fargo Bank (national bank), 6 sit in the same size group (over $100 bn) and 1 has its head office in South Dakota. Against them, Wells Fargo Bank shows CET1 ratio 12.06% against a peer median of 13.35%, return on equity 14.88% against a peer median of 12.35% and uninsured deposit share 50.57% against a peer median of 49.22%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| JPMorgan Chase Bank | National bank | OH | $4,091.3 bn | 15.03% | 18.55% | 62.53% | |
| Bank of America | National bank | NC | $2,654.6 bn | 12.10% | 12.31% | 45.36% | |
| Citibank | National bank | SD | $1,976.2 bn | 13.79% | 11.69% | 82.47% | |
| Wells Fargo Bank | National bank | SD | $1,907.9 bn | 12.06% | 14.88% | 50.57% | |
| Goldman Sachs Bank USA | State member bank | NY | $758.8 bn | 13.48% | 13.72% | 45.23% | |
| U.S. Bank | National bank | OH | $705.6 bn | 12.91% | 12.38% | 53.09% | |
| Capital One | National bank | VA | $662.2 bn | 13.21% | 11.35% | 20.82% | |
. FDIC Call Reports.
Last eight quarters
Two years at Wells Fargo Bank, to : assets +12.3%, deposits +10.3%, equity -0.5%. Staff 194,961 to 174,186; offices 4,301 to 4,188.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $1,698.7 bn | $1,705.5 bn | $1,711.0 bn | $1,746.4 bn | $1,767.1 bn | $1,822.7 bn | $1,852.2 bn | $1,907.9 bn |
| Total deposits | $1,417.1 bn | $1,435.1 bn | $1,419.6 bn | $1,398.8 bn | $1,424.8 bn | $1,483.4 bn | $1,517.0 bn | $1,563.5 bn |
| Bank equity capital | $170.3 bn | $166.2 bn | $168.2 bn | $171.7 bn | $172.7 bn | $173.8 bn | $173.0 bn | $169.5 bn |
| CET1 ratio | 13.27% | 13.08% | 13.17% | 13.25% | 13.13% | 12.81% | 12.58% | 12.06% |
| Return on equity (ROE) | 13.69% | 13.66% | 13.26% | 14.62% | 14.46% | 14.45% | 13.75% | 14.88% |
| Uninsured share of domestic deposits | 43.96% | 46.07% | 45.28% | 46.08% | 46.78% | 48.27% | 47.93% | 50.57% |
| Full-time equivalent employees | 194,961 | 192,713 | 192,066 | 188,658 | 186,018 | 182,057 | 179,673 | 174,186 |
| Number of offices | 4,301 | 4,286 | 4,265 | 4,244 | 4,217 | 4,200 | 4,202 | 4,188 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Wells Fargo Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Wells Fargo Bank?
Wells Fargo Bank reported $1,907.9 bn at in its Call Report. That makes Wells Fargo Bank the 4th largest of 497 banks in our US coverage.
Is Wells Fargo Bank the same as its holding company?
No. This page covers Wells Fargo Bank, FDIC certificate 3511; WELLS FARGO&COMPANY (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Wells Fargo Bank profitable?
Wells Fargo Bank reported net income of $12.8 bn for the year to ; annualized return on equity: 14.88%. So yes: Wells Fargo Bank made a profit over these months.
When is data for Wells Fargo Bank next updated?
Figures from Wells Fargo Bank for are due after .
Where can I check the figures for Wells Fargo Bank?
In the FDIC BankFind Suite record for certificate 3511, and in the Call Reports of Wells Fargo Bank (RSSD ID 451965) at the FFIEC Central Data Repository.