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Wells Fargo National Bank West

Las Vegas, NV · Cert 27389 · Wells Fargo&Company

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

98

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

16

Q2 2024Q2 2026peer median

Efficiency

99

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wells Fargo National Bank West

Las Vegas, NV · Cert 27389 · Wells Fargo&Company

National charter · OCC · 2 affiliate banks · 1 branch (4,159 in holding)

Q2 2026

$8.8BAssets
$4.7BLoans
$6.9BDeposits
$1.7BEquity
Loan mix
100%RE $4.9B0%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $6.9B0%Noninterest $0.0BQ2 2025Q2 2026

NIM

4.61%Q2 ’243.80%Q2 ’253.39%Q2 ’26+5%+3%

Non-interest income vs. expense

0.38%Q2 ’240.45%Q2 ’250.37%Q2 ’26+7%-20%

Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 7.3% share · #5 of 41 inst. · $6.9B of $95.0B

Executive Summary

  • Earnings: ROA of 0.97%, up 13 bps year over year; NIM at 1.61%.
  • Asset quality: problem loans at 0.97% of loans (+16 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 19.19%, up 326 bps from a year ago.
  • Funding: loans stand at 68.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.97%+13 bps YoY

Net Interest Margin (YTD, annualized)

1.61%+5 bps YoY

Efficiency Ratio (YTD, annualized)

23.44%-648 bps YoY

Tier 1 Leverage Ratio

19.19%+326 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.85%0.87%1.00%0.97%+13 bps
Return on Equity5.58%5.46%5.43%5.53%5.30%-28 bps
Net Interest Margin1.56%1.64%1.66%1.60%1.61%+5 bps
Efficiency Ratio29.92%28.02%27.16%25.30%23.44%-648 bps
Non-Interest Burden0.50%0.49%0.48%0.43%0.40%-10 bps
Growth
Asset Growth (YoY)-21.69%-10.19%-13.87%-11.66%-6.77%+1,492 bps
Loan Growth (YoY)-10.26%-10.34%-10.78%-10.99%-11.09%-84 bps
Deposit Growth (YoY)-27.80%-13.19%-17.22%-14.04%-6.39%+2,141 bps
Asset Quality
Nonperforming Loans / Loans0.81%0.91%0.82%0.87%0.97%+16 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio15.93%17.39%18.25%18.62%19.19%+326 bps
Total Risk-Based Capital52.59%54.87%57.96%59.76%65.48%+1,289 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits72.06%68.75%69.66%67.81%68.44%-362 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Wells Fargo National Bank West

Las Vegas, NV · Cert 27389 · Peer group: banks $1B-$10B in assets (n=322-328) · Wells Fargo&Company

National charter · OCC · 2 affiliate banks · 1 branch (4,159 in holding)

Q2 2026

$8.8BAssets
$4.7BLoans
$6.9BDeposits
$1.7BEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 99% of banks $1B-$10B in assets (rank 5 of 328).
  • Widest gap: net interest margin trails 98% of banks $1B-$10B in assets (rank 323 of 328).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.99%

Rank 229 of 328

Net Interest Margin

1.61%

Rank 323 of 328

Efficiency Ratio

23.44%

Rank 5 of 328

Equity / Assets

19.19%

Rank 8 of 328

Non-interest income vs. expense

-$2.6M$32.7MINCOMEEXPENSE
Unfavorable gap of $35.3M · efficiency ratio beats 99% of banks $1B-$10B in assets
Bank 23.44%Peer median 59.6%Q4 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.99%0.91%1.22%1.52%Beats 30%229 / 328
Return on Equity5.17%8.43%11.45%14.43%Beats 8%303 / 328
Net Interest Margin1.61%3.03%3.45%3.83%Beats 2%323 / 328
Efficiency Ratio23.44%51.61%59.56%67.53%Beats 99%5 / 328
Asset Quality
Nonperforming Loans / Loans0.97%0.24%0.51%1.03%Beats 26%240 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 93%26 / 322
Capital
Tier 1 Capital Ratio64.87%11.75%13.15%15.47%Beats 98%7 / 328
Total Risk-Based Capital Ratio65.48%12.63%14.15%16.46%Beats 98%7 / 328
Equity / Assets19.19%9.15%10.33%12.01%Beats 98%8 / 328
Liquidity & Funding
Loans / Deposits68.44%76.63%87.92%95.36%14th pctl279 / 323
Loans / Assets54.11%65.18%74.15%79.98%11th pctl293 / 328
Brokered Deposits / Depositsn/aNot reported for this institution