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Wells Fargo Bank, National Association
Sioux Falls, SD·FDIC Cert #3511·Charter: OCC·Est. 18700101.0·HC: WELLS FARGO&COMPANY
Total Assets
$1.8T
Q4 2025
Return on Assets
1.41%
-0.01%Peer avg: 1.11%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
55.41%
Peer avg: 52.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
64
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.41%-0.01
ROE
14.45%-0.01
Efficiency
55.41%-0.37
Equity/Assets
0.00%+0.00
NPL Ratio
1.22%-0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
63.32%+0.25
Charge-offs
0.44%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.3 | 1.3 | 1.3 | 1.3 | 1.4 | 1.4 | 1.4 |
| ROE | 13.2 | 13.5 | 13.7 | 13.7 | 13.3 | 14.6 | 14.5 | 14.4 |
| Efficiency | 60.2 | 58.0 | 56.4 | 56.9 | 58.0 | 55.8 | 55.8 | 55.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.4 | 1.4 | 1.4 | 1.5 | 1.4 | 1.4 | 1.2 | 1.2 |
| Charge-offs | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.4 | 0.4 |
| Loan/Deposit | 61.0 | 61.3 | 60.9 | 60.3 | 61.1 | 63.0 | 63.1 | 63.3 |
Balance Sheet
Total Assets$1.8T
Total Deposits$1.5T
Total Loans$939.3B
Total Equity$173.8B
Profitability
ROA1.41%
ROE14.45%
Efficiency Ratio55.41%
Net Income$24.6B
Risk & Asset Quality
NPL Ratio1.22%
Charge-off Rate0.44%
Loan/Deposit63.32%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans