BlastPoint's Banking Scorecard
Wells Fargo Bank, National Association
Sioux Falls, SD
4,163 branches across CA · FL · TX · NC · NJ · GA · VA · PA · AZ · MN · CO · WA · SC · NV · NY · OR · AL · MD · UT · NM · CT · ID · IA · AK · NE · WI · SD · DC · TN · IL · MT · WY · DE · ND · MS · KS · AR · MA · MI · MO
Wells Fargo Bank, National Association has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.15% above tier average
- + Net Interest Margin 0.10% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 0.77% above tier average
- - Delinquency Rate 0.28% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1,852.2B
+8.3% YoY
+1.6% QoQ
|
+$845.1B |
$1,007.1B
-0.5% YoY
|
$68.7B
+9.0% YoY
|
$6.2B
+9.1% YoY
|
81% |
| Total Loans ? |
$971.6B
+11.9% YoY
+3.4% QoQ
|
+$535.4B |
$436.2B
+3.5% YoY
|
$30.8B
+10.3% YoY
|
$3.2B
+10.8% YoY
|
Top 12.5% in tier |
| Total Deposits ? |
$1,517.0B
+6.9% YoY
+2.3% QoQ
|
+$749.9B |
$767.0B
-1.7% YoY
|
$54.8B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Top 12.5% in tier |
| Return on Assets ? |
1.30%
-0.0% YoY
-7.8% QoQ
|
+0.15% |
1.15%
+9.3% YoY
|
1.41%
+1.8% YoY
|
1.23%
+13.4% YoY
|
75% |
| Net Interest Margin ? |
3.14%
-4.2% YoY
-4.4% QoQ
|
+0.10% |
3.05%
+6.7% YoY
|
4.19%
+0.4% YoY
|
3.89%
+5.7% YoY
|
62% |
| Efficiency Ratio ? |
56.66%
-2.3% YoY
+2.3% QoQ
|
+0.77% |
55.89%
+3.9% YoY
|
64.00%
-0.6% YoY
|
66.95%
-4.1% YoY
|
44% |
| Delinquency Rate ? |
1.20%
-14.0% YoY
-1.4% QoQ
|
+0.28% |
0.92%
-4.7% YoY
|
0.59%
+45.1% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
64.05%
+4.7% YoY
+1.1% QoQ
|
+5.40% |
58.65%
+11.5% YoY
|
71.70%
+0.3% YoY
|
76.70%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
27.02%
-8.0% YoY
-1.1% QoQ
|
+8.42% |
18.60%
+9.6% YoY
|
23.74%
-0.7% YoY
|
22.01%
-1.2% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.65%
-11.1% YoY
+0.2% QoQ
|
+0.16% |
0.48%
+3.7% YoY
|
0.41%
+39.3% YoY
|
0.67%
+19.3% YoY
|
19% |
| Tier 1 Capital Ratio ? |
12.58%
-4.5% YoY
-1.8% QoQ
|
-1.42% |
14.00%
-15.5% YoY
|
15.79%
+0.8% YoY
|
17.06%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.33%
-11.5% YoY
-76.1% QoQ
|
-0.02% |
0.35%
-0.9% YoY
|
0.27%
+0.0% YoY
|
0.32%
+4.1% YoY
|
56% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.