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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

4.39%Q2 ’244.07%Q2 ’253.70%Q2 ’26+8%+21%

Non-interest income vs. expense

0.36%Q2 ’240.30%Q2 ’250.32%Q2 ’26-23%+7%

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 1.55%, down 10 bps year over year; NIM at 2.33%.
  • Asset quality: problem loans at 1.24% of loans (-19 bps YoY), with net charge-offs at 0.02%.
  • 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 (quarter, annualized)

1.55%-10 bps YoY

Net Interest Margin (quarter, annualized)

2.33%+41 bps YoY

Efficiency Ratio (quarter, annualized)

13.54%-199 bps YoY

Tier 1 Leverage Ratio

29.69%+884 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.65%1.44%1.51%1.69%1.55%-10 bps
Return on Equity7.81%6.13%6.07%6.11%5.28%-253 bps
Net Interest Margin1.92%2.00%2.32%2.31%2.33%+41 bps
Efficiency Ratio15.53%13.95%13.69%15.39%13.54%-199 bps
Non-Interest Burden0.30%0.28%0.30%0.30%0.32%+2 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 / Loans-0.01%-0.03%-0.01%0.00%0.02%+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