Houston, TX · Cert 5146 · Wells Fargo&Company
National charter · OCC · 2 affiliate banks · 1 branch (4,159 in holding)
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.5% share · #21 of 107 inst. · $1.7B of $360.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.15% | 1.31% | 1.49% | 1.45% | 1.48% | 1.69% | 1.62% | +13 bps | |
| Return on Equity | 5.35% | 5.88% | 7.10% | 7.46% | 7.01% | 6.85% | 6.11% | 5.69% | -177 bps | |
| Net Interest Margin | 1.70% | 1.61% | 1.84% | 1.98% | 2.12% | 2.39% | 2.31% | 2.37% | +40 bps | |
| Efficiency Ratio | 23.28% | 22.72% | 16.80% | 16.20% | 15.50% | 15.06% | 15.39% | 14.50% | -170 bps | |
| Non-Interest Burden | 0.40% | 0.37% | 0.24% | 0.28% | 0.30% | 0.33% | 0.30% | 0.31% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.76% | 13.68% | 10.85% | -6.75% | -5.65% | -36.95% | -37.53% | -26.52% | -1,977 bps | |
| Loan Growth (YoY) | -13.19% | -13.26% | -13.37% | -13.74% | -14.00% | -14.40% | -14.47% | -14.55% | -81 bps | |
| Deposit Growth (YoY) | 3.30% | 16.56% | 14.87% | -13.32% | -8.63% | -45.28% | -45.73% | -30.48% | -1,717 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.25% | 1.27% | 1.27% | 1.43% | 1.43% | 1.39% | 1.21% | 1.24% | -19 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.06% | 0.03% | 0.01% | 0.00% | 0.00% | 0.01% | -2 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.64% | 19.53% | 18.61% | 20.86% | 23.42% | 23.71% | 28.01% | 29.69% | +884 bps | |
| Total Risk-Based Capital | 54.49% | 52.36% | 55.13% | 64.13% | 68.02% | 71.99% | 76.31% | 80.84% | +1,670 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.62% | 61.63% | 63.23% | 83.19% | 72.11% | 96.41% | 99.65% | 102.26% | +1,906 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |