FDIC Cert #3511 · Sioux Falls, South Dakota · Est. 1870

Wells Fargo Bank, National Association - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$1.82T
Total assets
A
Health grade · Excellent
1.41%
Return on assets
12.8%
Tier 1 capital

Data updated July 2026

The verdict

Wells Fargo Bank, National Association earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.81% Tier 1, profitable at 1.41% ROA, efficient (55% cost ratio).

#4
largest of 4,313 FDIC banks by assets
100th
percentile by asset size, nationally
12.81%
Tier 1 ratio - above the 10% well-capitalized line
70th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 3511 · SD A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MEGA · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1512/4307
  • PHOTO-FINISH Old Second National… · IL
  • TIER1-WELL 12.8% Tier 1
  • TEXAS-CLEAN 6.1% Texas
  • ROA-STRONG 1.41% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside South Dakota: Old Second National Bank, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Wells Fargo Bank

Lowest and highest poles plus nearest scored peers outside South Dakota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100FirstBank Southwest · TX · n…83/100Incommons Bank, N.A. · TX · …83/100Old Second National… · IL · …83/100Texas National Bank · TX · n…83/100Wells Fargo Bank, Na… · SD ·…83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Wells Fargo Bank · July 2026

Plate reading for Wells Fargo Bank where failures stay rare

Wells Fargo Bank, National Association (FDIC Cert #3511) carries a PlainBankData health grade of A at 83/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,512 of 4,307. Tier 1 capital prints at 12.81%, clearing the 10% well-capitalized line. The Texas Ratio is 6.09%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.41%. Balance-sheet scale is $1.82T, 4th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Old Second National Bank (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Wells Fargo Bank

Only 1 FAILURE resolution in South Dakota since 2000

Wells Fargo Bank, National Association is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BANKFIRST SIOUX FALLS, SD 2009 → ALERUS FINANCIAL, NATIONAL ASSOCIATION
  • FIRST FSB OF SOUTH DAKOTA RAPID CITY, SD 1992 → METROPOLITAN FB, FSB
  • FIRST FSB HURON, SD 1991 → BRANCH SALE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and South Dakota banks.

How Wells Fargo Bank, National Association's 83/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10083/100
Wells Fargo Bank, National Association's composite health score
Tier 1 Capital Ratio (12.81%) 35/40
Return on Assets (ROA) (1.41%) 20/25
Texas Ratio (6.09%) 16/20
Efficiency Ratio (55.41%) 12/15

83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.82T

Total balance-sheet footings

Total Deposits

$1.48T

Customer-funded liabilities

Net Loans

$939.3B

Outstanding loan book

Net Income

$24.6B

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.41% 12.81% 14.21%
Basel III capital ratios - Wells Fargo Bank, National Association

Where Wells Fargo Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Wells Fargo Bank, National Association's score of 83/100 falls in the highlighted band.

Wells Fargo Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 35% higher than 65% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Wells Fargo Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Wells Fargo Bank, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Wells Fargo Bank, National Association's $1.82T falls in the highlighted band.

Safety metrics: Wells Fargo Bank

Tier 1 capital ratio
Well-capitalized 10%

12.81% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.81%
Texas Ratio
6.09%
Equity Capital
$173.8B

What these ratios mean →

Earnings posture at Wells Fargo Bank

Return on Assets (ROA)
70th percentile nationally
1.41%
Return on Equity (ROE)
14.45%
Efficiency Ratio
55.41%

What these mean →

Income & expense at Wells Fargo Bank

$78.0B
Interest Income
$24.8B
Non-Interest Income
$42.7B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Wells Fargo Bank, National Association reports a Texas Ratio of 6.09% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.09% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Wells Fargo Bank, National Association on FDIC BankFind →

Top banks in South Dakota by total assets

Largest banks headquartered in South Dakota
  1. 1
    Citibank $1.84T

    Sioux Falls, SD · Grade A

  2. 2
    Wells Fargo Bank $1.82T

    Sioux Falls, SD · Grade A

  3. 3
    The Bancorp Bank $9.3B

    Sioux Falls, SD · Grade A

  4. 4
    Pathward $7.6B

    Sioux Falls, SD · Grade A

  5. 5
    Dacotah Bank $4.8B

    Aberdeen, SD · Grade B

Top 5 banks in South Dakota ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Wells Fargo Bank, National Association by assets

Measured strictly by total assets rather than geography, Wells Fargo Bank, National Association's closest national peers include Citibank, Bank of America, U.S. Bank, Capital One, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within South Dakota. Averaged across this asset-matched cohort, return on assets runs 1.07% (Wells Fargo Bank, National Association is above that at 1.41%), the efficiency ratio averages 52.17% (Wells Fargo Bank, National Association runs higher at 55.41%), and Tier 1 capital averages 13.47% (Wells Fargo Bank, National Association holds less at 12.81%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $1.82T in assets, Wells Fargo Bank, National Association sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to Wells Fargo Bank, National Association nationally by total assets
  1. 1
    Citibank $1.84T

    Sioux Falls, SD · Grade A

  2. 2
    Bank of America $2.64T

    Charlotte, NC · Grade A

  3. 3
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  4. 4
    Capital One $658.5B

    Mclean, VA · Grade B

  5. 5
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  6. 6
    PNC Bank $568.3B

    Wilmington, DE · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Wells Fargo Bank, National Association (this bank) SD $1.82T 1.41% 55.41% 12.81%
Citibank, National Association SD $1.84T 0.85% 55.60% 14.33%
Bank of America, National Association NC $2.64T 1.15% 52.27% 12.47%
U.S. Bank National Association OH $676.1B 1.18% 55.44% 13.02%
Capital One, National Association VA $658.5B 0.55% 52.98% 13.44%
Goldman Sachs Bank USA NY $645.0B 1.42% 39.21% 15.63%
PNC Bank, National Association DE $568.3B 1.30% 57.53% 11.91%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.82T here), outside South Dakota so the neighborhood is not state containment.

Bank of America $2.64T · NC U.S. Bank $676.1B · OH Capital One $658.5B · VA Goldman Sachs Bank USA $645.0B · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Wells Fargo Bank, National Association (FDIC Cert #3511) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Wells Fargo Bank, National Association Call Report profile · FDIC Failed Bank List · South Dakota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in South Dakota

All South Dakota banks →
BankAssetsGradeROA
Citibank, National AssociationSioux Falls $1.84T A 0.85%
The Bancorp Bank, National AssociationSioux Falls $9.3B A 2.81%
Pathward, National AssociationSioux Falls $7.6B A 2.65%
Dacotah BankAberdeen $4.8B B 1.01%
First Bank & TrustBrookings $4.7B B 1.02%
First PREMIER BankSioux Falls $4.2B A 1.67%
First Dakota National BankYankton $3.2B A 1.38%
Sunrise Banks, National AssociationSioux Falls $2.7B C 0.39%