← Back to Institutions
Wells Fargo Bank South Central, National Association
Houston, TX·FDIC Cert #5146·Charter: OCC·Est. 18940618.0·HC: WELLS FARGO&COMPANY
Total Assets
$2.8B
Q4 2025
Return on Assets
1.48%
+0.03%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
15.06%
Peer avg: 58.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.48%+0.03
ROE
6.85%-0.16
Efficiency
15.06%-0.44
Equity/Assets
0.00%+0.00
NPL Ratio
1.39%-0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
96.30%+24.26
Charge-offs
0.00%-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 | 1.0 | 1.1 | 1.1 | 1.1 | 1.3 | 1.5 | 1.5 | 1.5 |
| ROE | 5.0 | 5.4 | 5.3 | 5.9 | 7.1 | 7.5 | 7.0 | 6.8 |
| Efficiency | 30.0 | 25.0 | 23.3 | 22.7 | 16.8 | 16.2 | 15.5 | 15.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.6 | 1.4 | 1.3 | 1.3 | 1.3 | 1.4 | 1.4 | 1.4 |
| Charge-offs | -0.0 | -0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 83.7 | 83.5 | 76.5 | 61.5 | 63.2 | 83.1 | 72.0 | 96.3 |
Balance Sheet
Total Assets$2.8B
Total Deposits$1.9B
Total Loans$1.8B
Total Equity$758.3M
Profitability
ROA1.48%
ROE6.85%
Efficiency Ratio15.06%
Net Income$55.8M
Risk & Asset Quality
NPL Ratio1.39%
Charge-off Rate0.00%
Loan/Deposit96.30%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans