Wells Fargo National Bank West
Wells Fargo National Bank West reported total assets of $8.8 bn at Q2 2026, down 6.8% from a year earlier. That ranks 184th among 497 banks reporting this metric (1 = highest). Its common equity tier 1 ratio was 64.87%, and an estimated 1.55% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Common equity tier 1 (CET1) ratio: up 5.71 pp on Q1 2026, to 64.87%
- Total deposits: down 4.2% on Q1 2026, to $6.9 bn
- Net loans and leases: down 3.3% on Q1 2026, to $4.7 bn
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about Wells Fargo National Bank West?
Its largest one-quarter change in total assets since Q1 2016 was +61.5% between Q4 2019 and Q1 2020, a quarter with no merger or acquisition in the FDIC history. Against its six size peers, its common equity tier 1 (CET1) ratio stands out most: 64.87% at Q2 2026, above the peer median of 13.49%. Its uninsured share of domestic deposits of 1.55% at Q2 2026 is in the lowest 5% of the 500 banks reporting it (rank 493 of 500, 1 = highest). Its common equity tier 1 (CET1) ratio of 64.87% at Q2 2026 is in the highest 5% of the 448 banks reporting it (rank 4 of 448, 1 = highest).
How large is Wells Fargo National Bank West?
At Q2 2026 the bank held $8.8 bn of assets. Deposits were $6.9 bn and net loans and leases $4.7 bn, a loan-to-deposit ratio of 68.21%. Securities of $2.1 bn made up 24.3% of assets.
Total assets rose 4.1% between Q1 2016 and Q2 2026, from $8.4 bn.
How much of its funding is uninsured?
An estimated 1.55% of domestic deposits were above the FDIC insurance limit at Q2 2026, +0.26 pp from the previous quarter and -7.38 pp from a year earlier. That share ranks 493rd among 500 banks reporting this metric (1 = highest).
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $8.8 bn | -6.8% | 184th of 497 |
| Total deposits | $6.9 bn | -6.4% | 188th of 499 |
| Net loans and leases | $4.7 bn | -11.1% | 220th of 500 |
| Bank equity capital | $1.7 bn | +9.1% | 128th of 498 |
| Common equity tier 1 (CET1) ratio | 64.87% | +12.87 pp | 4th of 448 |
| Tier 1 leverage ratio | 19.19% | +3.26 pp | 11th of 500 |
| Return on equity (ROE) | 5.30% | -0.28 pp | 466th of 500 |
| Net interest margin | 1.63% | +0.07 pp | 489th of 500 |
| Uninsured share of domestic deposits | 1.55% | -7.38 pp | 493rd of 500 |
| 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: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026.
- Total assets $8.8bn
- Deposits $6.9bn
- Net loans $4.7bn
Capital and securities
The common equity tier 1 (CET1) ratio was 64.87% at Q2 2026, +12.87 pp from a year earlier. Since Q1 2016 it has ranged from 12.08% (Q4 2016) to 64.87% (Q2 2026). At Q2 2026 the tier 1 leverage ratio was 19.19% and the total risk-based capital ratio 65.48%. The median CET1 ratio of the size peers listed below was 13.49% at Q2 2026.
Available-for-sale securities showed an unrealized loss of $55.7 mn at Q2 2026; the loss narrowed by $41.3 mn from a year earlier.
Capital ratios
- Total capital 65%
- CET1 65%
- Tier 1 leverage 19%
Unrealized gains and losses on securities
- Available for sale -$56mn
- Held to maturity $0
Profitability and loan quality
Return on equity was 5.30% for the year to Q2 2026, annualized, with a return on assets of 0.97% and a net interest margin of 1.63%. The margin was +0.07 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 23.44%. Net income for the year to Q2 2026 was $43.5 mn, up 2.2% on the same period a year earlier. The median return on equity of its size peers was 12.68% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.97% of total loans at Q2 2026. Net charge-offs for the year to date were 0.00% of average loans, annualized.
Profitability
- Return on equity 5.3%
- Net interest margin 1.6%
- Return on assets 1.0%
Compared with banks of similar size
The six banks ranked closest to Wells Fargo National Bank West by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, Wells Fargo National Bank West is 4th by total assets. Its CET1 ratio of 64.87% compares with a peer median of 13.49%, its tier 1 leverage ratio of 19.19% compares with a peer median of 10.79%, and its return on equity of 5.30% compares with a peer median of 12.68%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| Metropolitan Commercial Bank | $8.9 bn | 12.91% | 12.09% | 27.21% | |
| Salem Five Cents Savings Bank | $8.8 bn | 13.21% | 8.41% | 18.29% | |
| Tompkins Bank & Trust | $8.8 bn | 11.91% | 15.03% | 41.31% | |
| Wells Fargo National Bank West | $8.8 bn | 64.87% | 5.30% | 1.55% | |
| Southside Bank | $8.8 bn | 16.28% | 10.98% | 42.81% | |
| First American Bank | $8.6 bn | 13.77% | 18.30% | 44.58% | |
| First Security Bank | $8.6 bn | 20.73% | 13.27% | 44.27% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 13.49%, return on equity 12.68%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
Wells Fargo National Bank West, as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets fell 15.2% to $8.8 bn, deposits fell 20.4% to $6.9 bn and bank equity capital rose 18.0% to $1.7 bn. Over the same period its full-time equivalent staff went from 0 to 0 and its offices went from 1 to 1.
| 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 |
| Common equity tier 1 (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 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
Large one-quarter moves
- Total assets changed by +53.2% in the quarter to 2019-03-31, with no FDIC structure event in that quarter.
- Total assets changed by +61.5% in the quarter to 2020-03-31, with no FDIC structure event in that quarter.
- Total assets changed by -33.7% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.
Identifiers and sources
- FDIC certificate
- 27389
- Federal Reserve RSSD ID
- 1225761
- Head office
- Las Vegas, Nevada
- Holding company
- WELLS FARGO&COMPANY (as reported to the FDIC)
- Holding company RSSD ID
- 1120754
- EconoMonitor ID
- EMB-US-000118
Frequently asked questions
What were Wells Fargo National Bank West's total assets?
$8.8 bn at Q2 2026, according to its Call Report as published by the FDIC. By total assets it ranks 184th among 497 banks reporting this metric (1 = highest).
Is Wells Fargo National Bank West the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 27389). Its holding company, WELLS FARGO&COMPANY (as reported to the FDIC), reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after Wells Fargo National Bank West files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 27389, and in the Call Reports filed under RSSD ID 1225761 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.