Wells Fargo Bank South Central, National Association
Houston, TX · Cert 5146 · Peer group: banks $1B-$10B in assets (n=311-317) · 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 317).
- Widest gap: net interest margin trails 96% of banks $1B-$10B in assets (rank 305 of 317).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.69%
Rank 59 of 317
Net Interest Margin
2.41%
Rank 305 of 317
Efficiency Ratio
14.50%
Rank 3 of 317
Equity / Assets
30.12%
Rank 6 of 317
Non-interest income vs. expense
Unfavorable gap of $8.2M · efficiency ratio beats 99% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.69% | 0.93% | 1.22% | 1.51% | Beats 81% | 59 / 317 | |
| Return on Equity | 5.62% | 8.63% | 11.43% | 14.48% | Beats 9% | 287 / 317 | |
| Net Interest Margin | 2.41% | 3.06% | 3.45% | 3.83% | Beats 4% | 305 / 317 | |
| Efficiency Ratio | 14.50% | 51.90% | 59.69% | 67.53% | Beats 99% | 3 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.24% | 0.24% | 0.51% | 1.14% | Beats 23% | 240 / 311 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.12% | Beats 74% | 83 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 80.53% | 11.75% | 13.15% | 15.30% | Beats 98% | 6 / 317 | |
| Total Risk-Based Capital Ratio | 80.84% | 12.63% | 14.21% | 16.26% | Beats 98% | 6 / 317 | |
| Equity / Assets | 30.12% | 9.06% | 10.32% | 11.95% | Beats 98% | 6 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 102.26% | 76.63% | 88.04% | 95.67% | 92nd pctl | 26 / 312 | |
| Loans / Assets | 66.05% | 65.41% | 74.05% | 79.71% | 26th pctl | 234 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |