Wells Fargo National Bank West
Wells Fargo National Bank West reported total assets of $8.8 bn at Q2 2026, down 6.8% on a year earlier, the 184th largest of 497 banks in our US coverage. The CET1 capital ratio at Wells Fargo National Bank West was 64.87%, and the uninsured share of Wells Fargo National Bank West was 1.55%. Source: FDIC Call Reports.
Key takeaways
- Wells Fargo National Bank West has one of the highest common equity tier 1 (CET1) ratio readings among banks of $1 bn to $10 bn: 64.87% at , against a median of 13.22% across 287 banks (FDIC Call Reports).
- The efficiency ratio of Wells Fargo National Bank West, 23.44% at , places Wells Fargo National Bank West in the bottom tenth of banks of $1 bn to $10 bn (group median 56.87%; FDIC Call Reports).
- Among the 339 banks of $1 bn to $10 bn, few report a lower uninsured share of domestic deposits than Wells Fargo National Bank West, at 1.55% in ; the group median is 32.61% (FDIC Call Reports).
What sets Wells Fargo National Bank West apart
- Wells Fargo National Bank West reports one of the lowest net interest margin readings among banks of $1 bn to $10 bn: 1.63% at , where the median of the 339 banks is 3.66%.
- At 19.19%, the tier 1 leverage ratio of Wells Fargo National Bank West sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 10.45%.
- Over the year to , the total assets of Wells Fargo National Bank West fell by 6.8% to $8.8 bn, a bigger fall than at 98% of covered banks.
How large is Wells Fargo National Bank West?
The balance sheet of Wells Fargo National Bank West at : assets $8.8 bn, deposits $6.9 bn, net loans $4.7 bn (loans equal to 68.21% of deposits). Securities make up 24.3% of total assets at Wells Fargo National Bank West. Since , when Wells Fargo National Bank West held $8.4 bn, its assets grew 4.1%. In the year to , deposits at Wells Fargo National Bank West fell 6.4% while its total assets fell 6.8%.
How much funding at Wells Fargo National Bank West is uninsured?
At Wells Fargo National Bank West, uninsured deposits (above the FDIC limit) made up 1.55% of domestic deposits at (-7.38 pp on a year earlier); Wells Fargo National Bank West ranks 493rd of 500 on this measure. In dollars, Wells Fargo National Bank West estimated $107.4 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $6.9 bn | -6.4% | 188th of 499 |
| Net loans and leases | $4.7 bn | -11.1% | 220th of 500 |
| Loan-to-deposit ratio | 68.21% | -3.61 pp | 429th of 500 |
| Tier 1 leverage ratio | 19.19% | +3.26 pp | 11th of 500 |
| Total risk-based capital ratio | 65.48% | +12.89 pp | 4th of 448 |
| Net interest margin | 1.63% | +0.07 pp | 489th of 500 |
| Return on assets (ROA) | 0.97% | +0.13 pp | 395th of 500 |
| Efficiency ratio | 23.44% | -6.48 pp | 10th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $55.7 mn | Narrowed by $41.3 mn | |
| Noncurrent loans to total loans | 0.97% | +0.16 pp | 359th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | 0.00 pp | 62nd of 500 (1 = lowest) |
US rank of Wells Fargo National Bank West: 1 = highest unless marked 1 = lowest.
Balance sheet
Wells Fargo National Bank West: assets, deposits and loans
- Total assets $8.8bn
- Deposits $6.9bn
- Net loans $4.7bn
Capital and securities
The CET1 ratio of Wells Fargo National Bank West stood at 64.87% in , +12.87 pp year on year. Low and high at Wells Fargo National Bank West since : 12.08% () to 64.87% (). Equity capital of Wells Fargo National Bank West at : $1.7 bn, or 19.2% of total assets. Wells Fargo National Bank West also reported a total capital ratio of 65.48% for , and a tier 1 leverage ratio of 19.19%.
The available-for-sale portfolio of Wells Fargo National Bank West showed an unrealized loss of $55.7 mn at ; the loss narrowed by $41.3 mn over the year.
Wells Fargo National Bank West: capital ratios
- Total capital 65%
- CET1 65%
- Tier 1 leverage 19%
Wells Fargo National Bank West: unrealized securities gains and losses
- Available for sale -$56mn
- Held to maturity $0
Profitability and loan quality
For the year to , Wells Fargo National Bank West earned a return on equity of 5.30%; return on assets: 0.97%. Net interest margin at Wells Fargo National Bank West: 1.63%, +0.07 pp in a year. Wells Fargo National Bank West net income: $43.5 mn, up 2.2% year on year. The efficiency ratio of Wells Fargo National Bank West was 23.44%: about 23 cents cost per revenue dollar, against 53 cents at the median peer.
At , noncurrent loans were 0.97% of total loans at Wells Fargo National Bank West; net charge-offs: 0.00% of average loans. Gross loans and leases at Wells Fargo National Bank West: $4.7 bn, down 11.1% in a year.
Wells Fargo National Bank West: profitability
- Return on equity 5.3%
- Net interest margin 1.6%
- Return on assets 1.0%
Peer group of Wells Fargo National Bank West
The peer group of Wells Fargo National Bank West is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Wells Fargo National Bank West (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Nevada. Against them, Wells Fargo National Bank West shows CET1 ratio 64.87% against a peer median of 13.49%, return on equity 5.30% against a peer median of 12.68% and uninsured deposit share 1.55% against a peer median of 42.06%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Metropolitan Commercial Bank | State member bank | NY | $8.9 bn | 12.91% | 12.09% | 27.21% | |
| Salem Five Cents Savings Bank | State nonmember bank | MA | $8.8 bn | 13.21% | 8.41% | 18.29% | |
| Tompkins Bank & Trust | State nonmember bank | NY | $8.8 bn | 11.91% | 15.03% | 41.31% | |
| Wells Fargo National Bank West | National bank | NV | $8.8 bn | 64.87% | 5.30% | 1.55% | |
| Southside Bank | State nonmember bank | TX | $8.8 bn | 16.28% | 10.98% | 42.81% | |
| First American Bank | State nonmember bank | IL | $8.6 bn | 13.77% | 18.30% | 44.58% | |
| First Security Bank | State member bank | AR | $8.6 bn | 20.73% | 13.27% | 44.27% | |
. FDIC Call Reports.
Last eight quarters
Two years at Wells Fargo National Bank West, to : assets -15.2%, deposits -20.4%, equity +18.0%.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $10.3 bn | $10.5 bn | $10.2 bn | $9.4 bn | $9.3 bn | $9.0 bn | $9.0 bn | $8.8 bn |
| Total deposits | $8.7 bn | $8.8 bn | $8.4 bn | $7.4 bn | $7.6 bn | $7.3 bn | $7.2 bn | $6.9 bn |
| Bank equity capital | $1.4 bn | $1.5 bn | $1.5 bn | $1.5 bn | $1.6 bn | $1.6 bn | $1.6 bn | $1.7 bn |
| CET1 ratio | 43.98% | 45.42% | 47.58% | 52.00% | 54.25% | 57.38% | 59.16% | 64.87% |
| Return on equity (ROE) | 6.59% | 6.79% | 5.36% | 5.58% | 5.46% | 5.43% | 5.53% | 5.30% |
| Uninsured share of domestic deposits | 6.84% | 8.12% | 7.76% | 8.93% | 6.72% | 1.18% | 1.29% | 1.55% |
| Full-time equivalent employees | 0 | 0 | 0 | 0 | 0 | 0 | 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 National Bank West
- Total assets at Wells Fargo National Bank West changed by +53.2% in the quarter to 2019-03-31, with no FDIC structure event in that quarter.
- Total assets at Wells Fargo National Bank West changed by +61.5% in the quarter to 2020-03-31, with no FDIC structure event in that quarter.
- Total assets at Wells Fargo National Bank West changed by -33.7% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Wells Fargo National Bank West?
Wells Fargo National Bank West reported $8.8 bn at in its Call Report. That makes Wells Fargo National Bank West the 184th largest of 497 banks in our US coverage.
Is Wells Fargo National Bank West the same as its holding company?
No. This page covers Wells Fargo National Bank West, FDIC certificate 27389; WELLS FARGO&COMPANY (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Wells Fargo National Bank West profitable?
Wells Fargo National Bank West reported net income of $43.5 mn for the year to ; annualized return on equity: 5.30%. So yes: Wells Fargo National Bank West made a profit over these months.
When is data for Wells Fargo National Bank West next updated?
Figures from Wells Fargo National Bank West for are due after .
Where can I check the figures for Wells Fargo National Bank West?
In the FDIC BankFind Suite record for certificate 27389, and in the Call Reports of Wells Fargo National Bank West (RSSD ID 1225761) at the FFIEC Central Data Repository.