BlastPoint's Banking Scorecard

Wells Fargo National Bank West

$1B-$10B Specialty: Mortgage NV FDIC cert 27389

Las Vegas, NV

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 4 in NV.
Deposits -6.4% year over year ($6.9B on the books).
Delinquency rate 0.97%.
Return on assets 0.97%.
Efficiency ratio 23.44% vs a 59.73% peer average.
Loan-to-deposit ratio 68.21% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 4 in NV

View $1B-$10B leaderboard (NV) →

Wells Fargo National Bank West has 1 strength but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 36.29% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 10.5% in tier
- Deposit Outflow: Bottom 10.7% in tier
- Net Interest Margin 2.24% below tier average
- Non-Interest-Bearing Deposit Share 21.27% below tier average
- Non-Interest Income / Assets 0.54% below tier average
- ROA 0.42% below tier average
- Delinquency Rate 0.11% above tier average

Get updates when Wells Fargo National Bank West releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Total Assets ?	$8.8B -6.8% YoY -2.9% QoQ	+$6.0B	$2.8B -0.6% YoY	$3.1B +2.3% YoY	$6.3B +7.7% YoY	Top 2.8% in tier
Total Loans ?	$4.7B -11.1% YoY -3.3% QoQ	+$2.8B	$2.0B -0.3% YoY	$1.6B +20.6% YoY	$3.2B +9.4% YoY	Top 7.6% in tier
Total Deposits ?	$6.9B -6.4% YoY -4.2% QoQ	+$4.6B	$2.3B -0.5% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	Top 3.5% in tier
Return on Assets ?	0.97% +14.7% YoY -2.1% QoQ	-0.42%	1.39% +17.0% YoY	3.59% +7.1% YoY	1.30% +12.1% YoY	28%
Net Interest Margin ?	1.63% +4.5% YoY -0.5% QoQ	-2.24%	3.87% +6.2% YoY	5.65% +11.1% YoY	3.95% +4.9% YoY	Bottom 1.2% in tier
Efficiency Ratio ?	23.44% -21.6% YoY -7.3% QoQ	-36.29%	59.73% -12.6% YoY	55.66% -2.7% YoY	70.05% +2.5% YoY	Top 1.0% in tier
Delinquency Rate ?	0.97% +20.0% YoY +11.6% QoQ	+0.11%	0.87% +11.7% YoY	1.02% -35.3% YoY	0.98% +16.3% YoY	28%
Loan-to-Deposit Ratio ?	68.21% -5.0% YoY +0.9% QoQ	-16.83%	85.04% -0.1% YoY	86.66% +13.2% YoY	79.03% +2.3% YoY	Top 13.6% in tier
Non-Interest-Bearing Deposit Share ?	0.00%	-21.27%	21.27% -1.5% YoY	21.87% -6.7% YoY	21.98% -0.6% YoY	Bottom 0.5% in tier
Nonperforming Asset Ratio ?	0.52% +14.5% YoY +11.1% QoQ	-0.15%	0.67% +11.7% YoY	0.74% +3.7% YoY	0.69% +15.8% YoY	42%
Tier 1 Capital Ratio ?	64.87% +24.7% YoY +9.6% QoQ	+50.03%	14.84% -0.4% YoY	23.41% +6.1% YoY	17.09% +0.8% YoY	Top 0.5% in tier
Non-Interest Income / Assets ?	-0.01% +42.4% YoY -91.2% QoQ	-0.54%	0.53% +2.5% YoY	2.78% +2.3% YoY	0.66% +5.2% YoY	Bottom 0.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Noninterest-Bearing	n/a	n/a	21.4%	25.5%	22.2%	n/a
Brokered Deposits	n/a	n/a	9.5%	31.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
C&I	n/a	n/a	14.0%	22.5%	12.5%	n/a
CRE	n/a	n/a	50.0%	68.4%	41.4%	n/a
1-4 Family	100.3% 0.0pp YoY 0.0pp QoQ	+73.9pp	26.4%	12.7%	31.3%	100%
Consumer	n/a	n/a	4.7%	31.5%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
CET1 Ratio	64.9% +12.9pp YoY +5.7pp QoQ	+49.3pp	15.6%	29.4%	19.7%	99%
Leverage Ratio	19.2% +3.3pp YoY +0.6pp QoQ	+7.9pp	11.3%	16.3%	12.6%	97%
Total Capital Ratio	65.5% +12.9pp YoY +5.7pp QoQ	+48.8pp	16.7%	30.3%	20.8%	99%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Full-Time Employees	n/a	n/a	313	177	482	n/a
Assets per Employee ($)	n/a	n/a	$10.5M	$17.0M	$8.8M	n/a
Branch Count	1 0 YoY 0 QoQ	-19	20	2	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.1pp	0.2%	0.9%	0.4%	31%
Nonaccrual	1.0% +0.2pp YoY +0.1pp QoQ	+0.1pp	0.8%	1.0%	1.0%	73%
Allowance Coverage	0.35x -16.4% YoY -11.0% QoQ	-18.36x	18.71x	4.66x	20.23x	3%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	1.2%	0.2%	16%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
ROE	5.3% -0.3pp YoY -0.2pp QoQ	-7.3pp	12.6%	17.9%	11.6%	9%
Cost of Funds (YTD)	1.8% -0.4pp YoY 0.0pp QoQ	-0.1pp	1.9%	2.0%	1.7%	44%
Net Income ($, YTD)	$43.5M +2.2% YoY — QoQ	+$24.3M	$19.2M	$65.7M	$40.4M	90%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk

#19 of 172 • Bottom 10.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 64.87%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 68.21%

(Tier: 85.04%, National: 79.03%)

better than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#15 of 131 • Bottom 10.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

Tier 1 Capital Ratio

capital

Value: 64.87%

Peer Median: 14.84%

#5 of 885 Top 0.5% in $1B-$10B

Efficiency Ratio

profitability

Value: 23.44%

Peer Median: 59.73%

#10 of 885 Top 1.0% in $1B-$10B

Total Assets

size

Value: $8.77B

Peer Median: $2.79B

#26 of 885 Top 2.8% in $1B-$10B

Total Deposits

size

Value: $6.93B

Peer Median: $2.32B

#32 of 885 Top 3.5% in $1B-$10B

Total Loans

size

Value: $4.73B

Peer Median: $1.96B

#68 of 885 Top 7.6% in $1B-$10B

121

Loan-to-Deposit Ratio

liquidity

Value: 68.21%

Peer Median: 85.04%

#121 of 885 Top 13.6% in $1B-$10B

Top Weaknesses (3 metrics)

882

Non-Interest Income / Assets

revenue_mix

Value: -0.01%

Peer Median: 0.53%

#882 of 885 Bottom 0.5% in $1B-$10B

882

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 21.27%

#882 of 885 Bottom 0.5% in $1B-$10B

875

Net Interest Margin

profitability

Value: 1.63%

Peer Median: 3.87%

#875 of 885 Bottom 1.2% in $1B-$10B