Total Assets
$2.8B
Total balance-sheet footings
FDIC Cert #5146 · Houston, Texas · Est. 1894
Wells Fargo Bank South Central, National Association - FDIC Bank Health Profile
A community-scale look at Wells Fargo Bank South Central, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.8B
- Total assets
- A
- Health grade · Excellent
- 1.48%
- Return on assets
- 71.7%
- Tier 1 capital
Data updated July 2026
The verdict
Wells Fargo Bank South Central, National Association earns a PlainBankData health grade of A (95/100), with well-capitalized at 71.72% Tier 1, profitable at 1.48% ROA, efficient (15% cost ratio).
- #453
- largest of 4,313 FDIC banks by assets
- 90th
- percentile by asset size, nationally
- 71.72%
- Tier 1 ratio - above the 10% well-capitalized line
- 74th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Wells Fargo Bank South Central, National Association's 95/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Wells Fargo Bank South Central, National Association's composite health score
Tier 1 Capital Ratio (71.72%) 40/40
Return on Assets (ROA) (1.48%) 20/25
Texas Ratio (3.38%) 20/20
Efficiency Ratio (15.06%) 15/15
95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.9B
Customer-funded liabilities
Net Loans
$1.8B
Outstanding loan book
Net Income
$56M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Wells Fargo Bank South Central, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Wells Fargo Bank South Central, National Association's score of 95/100 falls in the highlighted band.
Wells Fargo Bank South Central, 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 South Central, National Association's $2.8B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
71.72% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
71.72%
Texas Ratio
3.38%
Equity Capital
$758M
Profitability metrics
Return on Assets (ROA)
74th percentile nationally
1.48%
Return on Equity (ROE)
6.85%
Efficiency Ratio
15.06%
What the numbers say about Wells Fargo Bank South Central, National Association
Wells Fargo Bank South Central, National Association is an FDIC-insured institution (Certificate #5146) headquartered in Houston, Texas, established in 1894. It holds $2.8B in total assets - 453rd of 4,313 FDIC-insured banks, $1.9B in customer deposits, and $1.8B in net loans. Its capital position: a Tier 1 ratio of 71.72%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 3.38% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (95 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Wells Fargo Bank South Central, National Association sits 37th of 350 banks headquartered in Texas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$154M
Interest Income
$1M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Wells Fargo Bank South Central, National Association reports a Texas Ratio of 3.38% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.38% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Wells Fargo Bank South Central, National Association (FDIC Cert #5146) - 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.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is Wells Fargo Bank South Central, National Association's health grade?▼
Wells Fargo Bank South Central, National Association receives a health grade of A (95/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Wells Fargo Bank South Central, National Association?▼
Wells Fargo Bank South Central, National Association holds $2.8B in total assets and $1.9B in deposits, ranking 453rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Houston, Texas.
Is my money safe at Wells Fargo Bank South Central, National Association?▼
Yes, deposits at Wells Fargo Bank South Central, National Association (Certificate #5146) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Wells Fargo Bank South Central, National Association's Tier 1 Capital Ratio?▼
Wells Fargo Bank South Central, National Association has a Tier 1 Capital Ratio of 71.72%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Wells Fargo Bank South Central, National Association?▼
Wells Fargo Bank South Central, National Association has a Texas Ratio of 3.38%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Wells Fargo Bank South Central, National Association?▼
Wells Fargo Bank South Central, National Association has an Efficiency Ratio of 15.06%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Wells Fargo Bank South Central, National Association's profile as a depositor or analyst.
- Wells Fargo Bank South Central, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Wells Fargo Bank South Central, National Association against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.