BlastPoint's Banking Scorecard

Wells Fargo Bank South Central, National Association

$1B-$10B Specialty: Mortgage TX FDIC cert 5146

Houston, TX

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 78 in TX.
Deposits -30.5% year over year ($1.7B on the books).
Delinquency rate 1.24%.
Return on assets 1.62%.
Efficiency ratio 14.50% vs a 59.73% peer average.
Loan-to-deposit ratio 102.12% 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 78 in TX

View $1B-$10B leaderboard (TX) →

Wells Fargo Bank South Central, National Association has 2 strengths but faces 8 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 45.23% below tier average
+ ROA 0.23% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 1.2% in tier
- Liquidity Strain: Bottom 7.8% in tier
- Deposit Outflow: Bottom 11.5% in tier
- Capital Constraint: Bottom 96.9% in tier
- Net Interest Margin 1.52% below tier average
- Non-Interest-Bearing Deposit Share 21.27% below tier average
- Non-Interest Income / Assets 0.51% below tier average
- Delinquency Rate 0.37% above tier average

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

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$2.6B -26.5% YoY -4.1% QoQ	-$203.0M	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	63%
Total Loans ?	$1.7B -14.5% YoY -3.9% QoQ	-$254.5M	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	59%
Total Deposits ?	$1.7B -30.5% YoY -6.3% QoQ	-$645.6M	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	50%
Return on Assets ?	1.62% +8.7% YoY -4.2% QoQ	+0.23%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	75%
Net Interest Margin ?	2.35% +19.2% YoY +0.2% QoQ	-1.52%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Bottom 3.2% in tier
Efficiency Ratio ?	14.50% -10.5% YoY -5.8% QoQ	-45.23%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 0.3% in tier
Delinquency Rate ?	1.24% -13.2% YoY +2.0% QoQ	+0.37%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	22%
Loan-to-Deposit Ratio ?	102.12% +22.9% YoY +2.6% QoQ	+17.08%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Bottom 10.5% in tier
Non-Interest-Bearing Deposit Share ?	0.00%	-21.27%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Bottom 0.5% in tier
Nonperforming Asset Ratio ?	0.83% +1.9% YoY +2.2% QoQ	+0.15%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	27%
Tier 1 Capital Ratio ?	80.53% +26.1% YoY +6.0% QoQ	+65.69%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 0.3% in tier
Non-Interest Income / Assets ?	0.02% -29.7% YoY +3.8% QoQ	-0.51%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Bottom 1.7% 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 (TX)	National Avg	Tier Percentile
Noninterest-Bearing	n/a	n/a	21.4%	29.2%	22.2%	n/a
Brokered Deposits	n/a	n/a	9.5%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	n/a	n/a	14.0%	14.8%	12.5%	n/a
CRE	n/a	n/a	50.0%	48.4%	41.4%	n/a
1-4 Family	100.1% 0.0pp YoY 0.0pp QoQ	+73.7pp	26.4%	25.8%	31.3%	100%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	4.7%	5.0%	1%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	80.5% +16.7pp YoY +4.5pp QoQ	+64.9pp	15.6%	22.7%	19.7%	99%
Leverage Ratio	29.7% +8.8pp YoY +1.7pp QoQ	+18.4pp	11.3%	12.6%	12.6%	99%
Total Capital Ratio	80.8% +16.7pp YoY +4.5pp QoQ	+64.1pp	16.7%	23.8%	20.8%	99%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	n/a	n/a	313	186	482	n/a
Assets per Employee ($)	n/a	n/a	$10.5M	$10.1M	$8.8M	n/a
Branch Count	1 0 YoY 0 QoQ	-19	20	12	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.3%	0.4%	45%
Nonaccrual	1.2% -0.2pp YoY 0.0pp QoQ	+0.4pp	0.8%	1.0%	1.0%	79%
Allowance Coverage	0.11x -2.6% YoY -9.4% QoQ	-18.60x	18.71x	18.82x	20.23x	0%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	29%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	5.7% -1.8pp YoY -0.4pp QoQ	-6.9pp	12.6%	13.2%	11.6%	10%
Cost of Funds (YTD)	1.4% -0.9pp YoY 0.0pp QoQ	-0.5pp	1.9%	1.6%	1.7%	17%
Net Income ($, YTD)	$21.9M -28.4% YoY — QoQ	+$2.7M	$19.2M	$15.9M	$40.4M	73%

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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 (4)

Liquidity Overhang

risk

#3 of 172 • Bottom 1.2% 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: 80.53%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 102.12%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ

Liquidity Strain

risk

#29 of 361 • Bottom 7.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 102.12%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#16 of 131 • Bottom 11.5% 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

Capital Constraint

risk

#32 of 32 • Bottom 96.9% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 102.12%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 80.53%

(Tier: 14.84%, National: 17.09%)

better than tier avg

32 of 32 Mid-Market banks match · 143 nationally

→ Stable -5 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 885 peers in $1B-$10B

Top Strengths (3 metrics)

Efficiency Ratio

profitability

Value: 14.50%

Peer Median: 59.73%

#4 of 885 Top 0.3% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 80.53%

Peer Median: 14.84%

#4 of 885 Top 0.3% in $1B-$10B

221

Return on Assets

profitability

Value: 1.62%

Peer Median: 1.39%

#221 of 885 Top 24.9% in $1B-$10B

Top Weaknesses (5 metrics)

882

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 21.27%

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

871

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.53%

#871 of 885 Bottom 1.7% in $1B-$10B

858

Net Interest Margin

profitability

Value: 2.35%

Peer Median: 3.87%

#858 of 885 Bottom 3.2% in $1B-$10B

793

Loan-to-Deposit Ratio

liquidity

Value: 102.12%

Peer Median: 85.04%

#793 of 885 Bottom 10.5% in $1B-$10B

688

Delinquency Rate

credit_quality

Value: 1.24%

Peer Median: 0.87%

#688 of 882 Bottom 22.1% in $1B-$10B