BlastPoint's Banking Scorecard
Wells Fargo Bank South Central, National Association
Houston, TX
Wells Fargo Bank South Central, National Association has 2 strengths but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 47.1% in tier
- + Efficiency Ratio 45.67% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 1.7% in tier
- - Liquidity Strain: Bottom 3.9% in tier
- - Deposit Outflow: Bottom 12.3% in tier
- - Capital Constraint: Bottom 97.3% in tier
- - Net Interest Margin 1.47% below tier average
- - Non-Interest-Bearing Deposit Share 21.29% below tier average
- - Non-Interest Income / Assets 0.24% below tier average
- - Delinquency Rate 0.33% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
-37.5% YoY
-4.1% QoQ
|
-$115.4M |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
65% |
| Total Loans ? |
$1.8B
-14.5% YoY
-3.7% QoQ
|
-$187.5M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
62% |
| Total Deposits ? |
$1.8B
-45.7% YoY
-6.8% QoQ
|
-$557.2M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
54% |
| Return on Assets ? |
1.69%
+28.9% YoY
+14.0% QoQ
|
+0.33% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
80% |
| Net Interest Margin ? |
2.34%
+23.8% YoY
+13.1% QoQ
|
-1.47% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 3.8% in tier |
| Efficiency Ratio ? |
15.39%
-8.4% YoY
+2.2% QoQ
|
-45.67% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 0.5% in tier |
| Delinquency Rate ? |
1.22%
-4.0% YoY
-12.6% QoQ
|
+0.33% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
99.51%
+57.6% YoY
+3.3% QoQ
|
+15.30% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 14.6% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -21.29% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 0.5% in tier |
| Nonperforming Asset Ratio ? |
0.81%
+32.6% YoY
-12.1% QoQ
|
+0.13% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
27% |
| Tier 1 Capital Ratio ? |
75.99%
+38.4% YoY
+6.0% QoQ
|
+60.83% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 0.6% in tier |
| Non-Interest Income / Assets ? |
0.02%
-13.8% YoY
-54.9% QoQ
|
-0.24% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 2.3% in tier |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (4)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.