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Wells Fargo Bank South Central, National Association

Houston, TX · Cert 5146 · 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=313 to 319). 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

49

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

0

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 Bank South Central, National Association

Houston, TX · Cert 5146 · Wells Fargo&Company

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

Q2 2026

$2.6BAssets
$1.7BLoans
$1.7BDeposits
$780.2MEquity
Loan mix
100%RE $1.8B0%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $1.7B0%Noninterest $0.0BQ2 2025Q2 2026

NIM

4.31%Q2 ’244.27%Q2 ’253.79%Q2 ’26+21%+20%

Non-interest income vs. expense

0.42%Q2 ’240.33%Q2 ’250.35%Q2 ’26-26%+11%

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.5% share · #21 of 107 inst. · $1.7B of $360.4B

Executive Summary

  • Earnings: ROA of 1.62%, up 13 bps year over year; NIM at 2.37%.
  • Asset quality: problem loans at 1.24% of loans (-19 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 29.69%, up 884 bps from a year ago.
  • Funding: loans stand at 102.26% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.62%+13 bps YoY

Net Interest Margin (YTD, annualized)

2.37%+40 bps YoY

Efficiency Ratio (YTD, annualized)

14.50%-170 bps YoY

Tier 1 Leverage Ratio

29.69%+884 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.49%1.45%1.48%1.69%1.62%+13 bps
Return on Equity7.46%7.01%6.85%6.11%5.69%-177 bps
Net Interest Margin1.98%2.12%2.39%2.31%2.37%+40 bps
Efficiency Ratio16.20%15.50%15.06%15.39%14.50%-170 bps
Non-Interest Burden0.28%0.30%0.33%0.30%0.31%+3 bps
Growth
Asset Growth (YoY)-6.75%-5.65%-36.95%-37.53%-26.52%-1,977 bps
Loan Growth (YoY)-13.74%-14.00%-14.40%-14.47%-14.55%-81 bps
Deposit Growth (YoY)-13.32%-8.63%-45.28%-45.73%-30.48%-1,717 bps
Asset Quality
Nonperforming Loans / Loans1.43%1.43%1.39%1.21%1.24%-19 bps
Net Charge-Offs / Loans0.03%0.01%0.00%0.00%0.01%-2 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 Ratio20.86%23.42%23.71%28.01%29.69%+884 bps
Total Risk-Based Capital64.13%68.02%71.99%76.31%80.84%+1,670 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits83.19%72.11%96.41%99.65%102.26%+1,906 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 Bank South Central, National Association

Houston, TX · Cert 5146 · Peer group: banks $1B-$10B in assets (n=313-319) · Wells Fargo&Company

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

Q2 2026

$2.6BAssets
$1.7BLoans
$1.7BDeposits
$780.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 99% of banks $1B-$10B in assets (rank 3 of 319).
  • Widest gap: net interest margin trails 97% of banks $1B-$10B in assets (rank 309 of 319).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.69%

Rank 61 of 319

Net Interest Margin

2.37%

Rank 309 of 319

Efficiency Ratio

14.50%

Rank 3 of 319

Equity / Assets

30.12%

Rank 6 of 319

Non-interest income vs. expense

$0.9M$9.2MINCOMEEXPENSE
Unfavorable gap of $8.2M · efficiency ratio beats 99% of banks $1B-$10B in assets
Bank 14.50%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.69%0.91%1.21%1.53%Beats 81%61 / 319
Return on Equity5.62%8.49%11.44%14.57%Beats 9%289 / 319
Net Interest Margin2.37%3.06%3.43%3.81%Beats 3%309 / 319
Efficiency Ratio14.50%51.90%59.57%67.64%Beats 99%3 / 319
Asset Quality
Nonperforming Loans / Loans1.24%0.25%0.54%1.18%Beats 23%241 / 313
Net Charge-Offs / Loans0.01%0.01%0.04%0.12%Beats 75%78 / 313
Capital
Tier 1 Capital Ratio80.53%11.74%12.99%15.28%Beats 98%6 / 319
Total Risk-Based Capital Ratio80.84%12.61%14.01%16.23%Beats 98%6 / 319
Equity / Assets30.12%9.03%10.33%12.01%Beats 98%6 / 319
Liquidity & Funding
Loans / Deposits102.26%76.76%88.16%95.43%91st pctl27 / 314
Loans / Assets66.05%65.79%74.05%79.84%25th pctl238 / 319
Brokered Deposits / Depositsn/aNot reported for this institution