BlastPoint's Banking Scorecard

Wells Fargo Bank, National Association

$250B+ Specialty: Other SD FDIC cert 3511

Sioux Falls, SD

4,158 branches across CA · FL · TX · NC · NJ · GA · VA · PA · AZ · MN · CO · WA · SC · NV · NY · MD · OR · AL · UT · NM · CT · ID · IA · AK · NE · SD · WI · IL · DC · TN · MT · WY · DE · ND · MS · KS · AR · MA · MI · MO

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 18 banks in the $250B+ peer group nationwide — 1 of 2 in SD.
Deposits +11.8% year over year ($1,563.5B on the books).
Delinquency rate 1.06%.
Return on assets 1.38%.
Efficiency ratio 54.77% vs a 52.80% peer average.
Loan-to-deposit ratio 62.93% vs a 59.04% peer average.

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

18 banks in the $250B+ peer group nationally 2 in SD

View $250B+ leaderboard (SD) →

Wells Fargo Bank, National Association has 2 strengths but faces 3 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

+ ROA 0.20% above tier average
+ Net Interest Margin 0.19% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 40.0% in tier
- Efficiency Ratio 1.98% above tier average
- Delinquency Rate 0.28% above tier average

Get updates when Wells Fargo Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$1,907.9B +9.2% YoY +3.0% QoQ	+$971.6B	$936.3B -15.8% YoY	$70.4B +8.4% YoY	$6.3B +7.7% YoY	83%
Total Loans ?	$983.9B +11.7% YoY +1.3% QoQ	+$574.4B	$409.5B -13.1% YoY	$31.5B +10.3% YoY	$3.2B +9.4% YoY	Top 11.1% in tier
Total Deposits ?	$1,563.5B +11.8% YoY +3.1% QoQ	+$850.3B	$713.2B -15.8% YoY	$56.5B +10.5% YoY	$4.9B +7.3% YoY	Top 11.1% in tier
Return on Assets ?	1.38% -3.9% YoY +6.1% QoQ	+0.20%	1.17% +26.8% YoY	1.40% +6.8% YoY	1.30% +12.1% YoY	83%
Net Interest Margin ?	3.13% -4.9% YoY -0.5% QoQ	+0.19%	2.94% -1.8% YoY	4.26% +1.1% YoY	3.95% +4.9% YoY	61%
Efficiency Ratio ?	54.77% -1.9% YoY -3.3% QoQ	+1.98%	52.80% -5.4% YoY	60.99% -4.4% YoY	70.05% +2.5% YoY	44%
Delinquency Rate ?	1.06% -21.9% YoY -11.9% QoQ	+0.28%	0.78% -21.7% YoY	0.78% +47.6% YoY	0.98% +16.3% YoY	28%
Loan-to-Deposit Ratio ?	62.93% -0.0% YoY -1.7% QoQ	+3.89%	59.04% +5.5% YoY	73.26% -0.6% YoY	79.03% +2.3% YoY	50%
Non-Interest-Bearing Deposit Share ?	26.69% -9.0% YoY -1.2% QoQ	+10.38%	16.30% -11.5% YoY	23.46% +3.2% YoY	21.98% -0.6% YoY	Top 11.1% in tier
Nonperforming Asset Ratio ?	0.56% -19.9% YoY -13.4% QoQ	+0.14%	0.42% -12.7% YoY	0.54% +39.8% YoY	0.69% +15.8% YoY	22%
Tier 1 Capital Ratio ?	12.06% -9.0% YoY -4.1% QoQ	-3.14%	15.20% +5.2% YoY	15.80% +1.0% YoY	17.09% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.64% -11.7% YoY +96.7% QoQ	+0.00%	0.64% -10.8% YoY	0.54% -0.1% YoY	0.66% +5.2% YoY	56%

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 (SD)	National Avg	Tier Percentile
Noninterest-Bearing	26.7% -2.6pp YoY -0.3pp QoQ	+10.4pp	16.3%	23.5%	22.2%	83%
Brokered Deposits	9.7% +2.9pp YoY +0.3pp QoQ	+2.7pp	7.0%	8.7%	8.5%	78%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
C&I	20.4% -0.6pp YoY -0.1pp QoQ	+0.8pp	19.6%	14.1%	12.5%	44%
CRE	12.4% -1.4pp YoY -0.3pp QoQ	+0.1pp	12.2%	31.5%	41.4%	47%
1-4 Family	23.7% -3.3pp YoY -0.3pp QoQ	+3.1pp	20.6%	14.9%	31.3%	65%
Consumer	12.3% +0.4pp YoY +0.3pp QoQ	-4.6pp	16.9%	8.5%	5.0%	33%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
CET1 Ratio	12.1% -1.2pp YoY -0.5pp QoQ	-3.1pp	15.2%	17.6%	19.7%	17%
Leverage Ratio	8.0% -0.9pp YoY -0.4pp QoQ	-0.7pp	8.8%	11.9%	12.6%	39%
Total Capital Ratio	13.5% -1.3pp YoY -0.6pp QoQ	-2.8pp	16.3%	18.8%	20.8%	17%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Full-Time Employees	174,186 -14472 (-7.7%) YoY -5487 (-3.1%) QoQ	+110,627	63,559	6,279	482	89%
Assets per Employee ($)	$11.0M +18.3% YoY +6.3% QoQ	-$50.1M	$61.1M	$8.1M	$8.8M	28%
Branch Count	4,161 -56 (-1.3%) YoY -14 (-0.3%) QoQ	+2,753	1,407	92	18	89%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% -0.2pp YoY 0.0pp QoQ	0.0pp	0.3%	0.2%	0.4%	69%
Nonaccrual	0.8% -0.1pp YoY -0.1pp QoQ	+0.2pp	0.6%	1.0%	1.0%	67%
Allowance Coverage	1.34x +14.2% YoY +12.4% QoQ	-0.80x	2.14x	96.54x	20.23x	28%
Net Charge-off Rate (YTD)	0.4% 0.0pp YoY -0.1pp QoQ	-0.1pp	0.5%	0.7%	0.2%	53%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
ROE	14.9% +0.3pp YoY +1.1pp QoQ	+2.5pp	12.4%	12.4%	11.6%	67%
Cost of Funds (YTD)	1.6% -0.1pp YoY 0.0pp QoQ	-0.6pp	2.2%	1.7%	1.7%	11%
Net Income ($, YTD)	$12.8B +3.9% YoY — QoQ	+$7.0B	$5.9B	$418.8M	$40.4M	83%

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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 (1)

Capital Thin

risk

#3 of 5 • Bottom 40.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 12.06%

(Tier: 15.20%, National: 17.09%)

worse than tier avg

5 of 5 Titans banks match · 923 nationally

→ Stable

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 18 peers in $250B+

Top Strengths (5 metrics)

Total Loans

size

Value: $983.88B

Peer Median: $409.50B

#3 of 18 Top 11.1% in $250B+

Total Deposits

size

Value: $1563.53B

Peer Median: $713.22B

#3 of 18 Top 11.1% in $250B+

Non-Interest-Bearing Deposit Share

funding

Value: 26.69%

Peer Median: 16.30%

#3 of 18 Top 11.1% in $250B+

Total Assets

size

Value: $1907.93B

Peer Median: $936.28B

#4 of 18 Top 16.7% in $250B+

Return on Assets

profitability

Value: 1.38%

Peer Median: 1.17%

#4 of 18 Top 16.7% in $250B+

Top Weaknesses (2 metrics)

Tier 1 Capital Ratio

capital

Value: 12.06%

Peer Median: 15.20%

#15 of 18 Bottom 22.2% in $250B+

Nonperforming Asset Ratio

credit_quality

Value: 0.56%

Peer Median: 0.42%

#15 of 18 Bottom 22.2% in $250B+