BlastPoint's Banking Scorecard

Wells Fargo National Bank West

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

Las Vegas, NV

884 banks in the $1B-$10B peer group nationally 5 in NV

Wells Fargo National Bank West has 1 strength but faces 6 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 35.76% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 11.5% in tier
- Liquidity Overhang: Bottom 13.2% in tier
- Net Interest Margin 2.18% below tier average
- Non-Interest-Bearing Deposit Share 21.29% below tier average
- Non-Interest Income / Assets 0.27% below tier average
- ROA 0.37% below tier average

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Total Assets ?	$9.0B -11.7% YoY +0.3% QoQ	+$6.2B	$2.8B -0.1% YoY	$3.1B +7.5% YoY	$6.2B +9.1% YoY	Top 2.1% in tier
Total Loans ?	$4.9B -11.0% YoY -2.9% QoQ	+$2.9B	$2.0B +0.6% YoY	$1.6B +22.3% YoY	$3.2B +10.8% YoY	Top 7.1% in tier
Total Deposits ?	$7.2B -14.0% YoY -0.2% QoQ	+$4.9B	$2.3B -0.3% YoY	$2.1B +0.1% YoY	$4.8B +8.2% YoY	Top 2.5% in tier
Return on Assets ?	1.00% +26.6% YoY +14.5% QoQ	-0.37%	1.37% +19.6% YoY	3.24% -3.8% YoY	1.23% +13.4% YoY	32%
Net Interest Margin ?	1.64% +6.3% YoY +3.9% QoQ	-2.18%	3.82% +6.9% YoY	5.24% +3.6% YoY	3.89% +5.7% YoY	Bottom 1.4% in tier
Efficiency Ratio ?	25.30% -22.7% YoY -6.8% QoQ	-35.76%	61.06% -4.6% YoY	57.12% -16.3% YoY	66.95% -4.1% YoY	Top 0.8% in tier
Delinquency Rate ?	0.87% +13.2% YoY +5.9% QoQ	-0.02%	0.89% +14.1% YoY	1.11% -32.2% YoY	0.95% +18.8% YoY	32%
Loan-to-Deposit Ratio ?	67.58% +3.5% YoY -2.7% QoQ	-16.63%	84.20% +0.3% YoY	80.72% +7.8% YoY	76.70% +0.9% YoY	85%
Non-Interest-Bearing Deposit Share ?	0.00%	-21.29%	21.29% -2.5% YoY	22.43% -7.9% YoY	22.01% -1.2% YoY	Bottom 0.5% in tier
Nonperforming Asset Ratio ?	0.47% +14.0% YoY +2.6% QoQ	-0.20%	0.67% +15.6% YoY	0.75% -3.5% YoY	0.67% +19.3% YoY	47%
Tier 1 Capital Ratio ?	59.16% +24.3% YoY +3.1% QoQ	+44.00%	15.16% +2.0% YoY	22.57% +2.5% YoY	17.06% +0.8% YoY	Top 0.7% in tier
Non-Interest Income / Assets ?	-0.01% +45.7% YoY +81.1% QoQ	-0.27%	0.26% +1.6% YoY	1.43% +2.0% YoY	0.32% +4.1% YoY	Bottom 0.7% in tier

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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)

Deposit Outflow

decline

#16 of 130 • Bottom 11.5% in tier

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

130 of 130 Mid-Market banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#24 of 174 • Bottom 13.2% 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: 59.16%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 67.58%

(Tier: 84.20%, National: 76.70%)

better than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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 884 peers in $1B-$10B

Top Strengths (6 metrics)

Tier 1 Capital Ratio

capital

Value: 59.16%

Peer Median: 15.16%

#7 of 884 Top 0.7% in $1B-$10B

Efficiency Ratio

profitability

Value: 25.30%

Peer Median: 61.06%

#8 of 884 Top 0.8% in $1B-$10B

Total Assets

size

Value: $9.03B

Peer Median: $2.82B

#20 of 884 Top 2.1% in $1B-$10B

Total Deposits

size

Value: $7.24B

Peer Median: $2.34B

#23 of 884 Top 2.5% in $1B-$10B

Total Loans

size

Value: $4.89B

Peer Median: $1.96B

#64 of 884 Top 7.1% in $1B-$10B

134

Loan-to-Deposit Ratio

liquidity

Value: 67.58%

Peer Median: 84.20%

#134 of 884 Top 15.0% in $1B-$10B

Top Weaknesses (3 metrics)

881

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 21.29%

#881 of 884 Bottom 0.5% in $1B-$10B

879

Non-Interest Income / Assets

revenue_mix

Value: -0.01%

Peer Median: 0.26%

#879 of 884 Bottom 0.7% in $1B-$10B

873

Net Interest Margin

profitability

Value: 1.64%

Peer Median: 3.82%

#873 of 884 Bottom 1.4% in $1B-$10B