# WELLS FARGO BANK NA
SIOUX FALLS, SD · FDIC certificate 3511 · asset band >$100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1907.93B | |
| Deposits | $1563.53B | |
| Loans and leases | $997.79B | |
| Total equity | $169.55B | |
| Loans / deposits | 62.93% (p41 of band) | 72.53% |
| Liquid assets / assets | 37.44% (p62 of band) | |
| Uninsured deposits / deposits | 50.28% (p81 of band) | 42.66% |
| Brokered deposits | 7.94% | |
| Wholesale funding | 13.34% (p66 of band) | |
| FHLB advances / assets | 1.15% | |
| Tier 1 leverage | 8.02% (p28 of band) | 9.44% |
| Unrealized securities loss / equity | -20.90% (p16 of band) | -9.97% |
| AOCI / equity | -0.97% (p38 of band) | |
| ROA (annualized) | 1.38% (p75 of band) | 1.18% |
| Net interest margin | 3.13% (p47 of band) | 3.14% |
| Efficiency ratio | 54.77% (p50 of band) | |
| Noncurrent loans | 1.04% (p62 of band) | 0.85% |
| Net charge-offs (annualized) | 0.21% (p53 of band) | |
| Reserve coverage of noncurrent | 133.76% | |
| Real estate % of loans | 36% | |
| Construction % of loans | 7.35% (p56 of band) | |
| Auto loans | $56.92B (5.71% of loans; DQ 1.44%, NCO 0.01%) | |
| Loans to nondepository financials | $203.23B (120% of equity) (p91 of band) | |
| Deposits YoY | 11.8% | |
| Employees | 174186 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 3 | capital falling, noncurrent p90 |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | capital falling |  |
| 2012-12 | 2 |  | capital falling |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 3 | wholesale funding >15% | capital falling |
| 2016-09 | 2 |  | wholesale funding >15% |
| 2016-12 | 4 | wholesale funding >15%, capital falling |  |
| 2017-03 | 3 |  | capital falling |
| 2017-06 | 2 |  | wholesale funding >15% |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | loans-to-lenders >50% equity |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | wholesale funding >15% |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 |  | wholesale funding >15% |
| 2019-12 | 5 | uninsured deposits >50%, capital falling |  |
| 2020-03 | 4 |  | capital falling |
| 2020-06 | 5 | losing money, expense ratio p90 | reserve under noncurrent |
| 2020-09 | 5 | reserve under noncurrent | losing money |
| 2020-12 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2021-03 | 3 | NIM <2.5% | expense ratio p90 |
| 2021-06 | 4 | capital falling |  |
| 2021-09 | 5 | noncurrent p90 |  |
| 2021-12 | 6 | reserve under noncurrent |  |
| 2022-03 | 6 | expense ratio p90 | reserve under noncurrent |
| 2022-06 | 5 |  | expense ratio p90 |
| 2022-09 | 6 | securities losses >30% of equity, deposits shrinking | NIM <2.5% |
| 2022-12 | 5 |  | capital falling |
| 2023-03 | 3 |  | noncurrent p90, securities losses >30% of equity |
| 2023-06 | 2 |  | uninsured deposits >50% |
| 2023-09 | 3 | uninsured deposits >50%, securities losses >30% of equity | deposits shrinking |
| 2023-12 | 2 | capital falling | uninsured deposits >50%, securities losses >30% of equity |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 3 | uninsured deposits >50% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-02-04 [Wells Fargo to close downtown Sioux Falls branch - KELOLAND.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPZUktcmRDUmo5ZDgxXzE2NGFXVV9OcWpXZm5WZ3J0SDMwenZJSnRyT3ZOLU5HS0NwT3ZWQW0yUWNOMEp4cktRR3RCWWpJUC13bHQ4aHlmNGZBYlBzaTQyT2wxaFVoTFN3djlrSFpCNFFaZ3JwVS1iaGVIMTV5bTdkZlZiXzFIbE5UTnFqZWdHRGNMMmNP0gGaAUFVX3lxTE1rUXlIeW1FQ3VLZjZHaDlWMXJuWTQyYmdwTm1KbU9yN09zRUFyT1JyaU9xRkNWVE5pcEtlYU9wT1FVeEM4Q3l3RE1tLVdmbHBjWUxJbVZ4dGFRMGRZUFBxajFYRi03ekZJaHkxdlVTcVlybnluUXJFRnBSOHpEM1JxemdLTGM4M1RmMTgzMjNQX0NLNDlVeHZXVHc?oc=5) · KELOLAND.com
- 2024-06-05 [Wells Fargo Accused of Aiding Elderly Investor Ponzi Scheme - Bloomberg Law News](https://news.google.com/rss/articles/CBMipwFBVV95cUxPbVVnMlpHZVJ5RzI1RnRwZU1kOUZBN2hsUE1Bb18yUUtyRk4zM0RDbGR4amRUcUZtekdFMUlCTmNRYURpX0xrbTdIekxMcG50MWVjdThlSjJXRkFoS3IwaTkzSkwxeUlTb3pBU3pXdVhsdFh0TVpuZkVwdnB1NE5hRFhkM0hWbGN1b0JmeERFSzFERXZBZVExQ2pfRjVjS254a3Bwd3Bldw?oc=5) · Bloomberg Law News
- 2022-01-19 [If You Can’t Beat Them, Join Them: SoFi Earns Bank Charter - Finovate](https://news.google.com/rss/articles/CBMigwFBVV95cUxQS0tHUWFTT00xUFB2LW9qZmtZRGlMRktWY1ktaHBFV2x3Z1RUdmJxMEJvdFdhaVBDY3Q3aE5TTEZ3a05ZLXBXVFd4bG5IVERnVXBqWG1tQ253c2w1LWg4U1VnR1ZMQk9kbUVYVHA4VEtkSklnUzVMTk9zTGlzamFQRW84dw?oc=5) · Finovate
- 2026-02-17 [Wells Fargo class action to be dismissed after judge grants arbitration - Top Class Actions](https://news.google.com/rss/articles/CBMizgFBVV95cUxNR2NkVFV5eUd4bmo4MkhsSGdNWTRBWUE3bTBYOTlqWVJ5TDVURFkyVi1hOUR3bVZrUko5ejE2TmlGME5wYU9RSUJFVThNN1ZfVG1BX0xXbGxidUpxbTVyR2M1dElPVHlubkY0ZVg2cEU0Y05idDkxWkVSQXV2dlJGOTR5SmEyVERYT3RUTFJkVXE2bjRRVmh4clVsd01US2NSd0JOazhSNjVXd3ZWYkJPWXBrZVRnc2x1VE9LSXlRYnFMSXgwaGtXWnpHY1h5Zw?oc=5) · Top Class Actions
- 2025-05-15 [Michigan’s Biggest Banks - Bridge Michigan](https://news.google.com/rss/articles/CBMibEFVX3lxTE1yaF9SOG1TN1kxbXE3bmxJMl9sUUw2UUpWMWhGQnVFYkdxZUluR0lnY3FMelFCLUtDZ2dBSTNGMnBoTXJ2aXpEbUZOdVpIa3U0d19KNmhnRlJSdE5IT05FS1hPUmZxM3J4T1Y3bg?oc=5) · Bridge Michigan
- 2023-02-15 ["Quantitative Tightening" and the U.S. Banking System - The Overshoot | Matthew C. Klein](https://news.google.com/rss/articles/CBMibEFVX3lxTE8zLU9pYi1hSmFfaEY1eks1elVneFFaRG1YTUItMnlxY2RUeUQtYTZDdnNleVV5MWIwSjNlMEx2OEJTUDg1OUJkUm9qa3VZWW5MaUNDMUo2clFEbTZCWGlkQ25URHYzeUc2V1JUYg?oc=5) · The Overshoot | Matthew C. Klein
- 2025-05-16 [OCC Announces Enforcement Actions Against Banks and Individuals - PYMNTS.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxQUk5yNy1qbE9pR1o1WGlyc1U1ZGk0X1FHUmZYcHBYdm54WDI0MjNzMlI0NDhSQl9VOEhxS0UyR2NsQnVCd2tiUXB6QlhPZVJKcXBBLWtWeF9rMHdtM0FUa3lQaDRSSlFUS1JycS0wWVJDNC1HbEJPSkNZZlc5SGFWQ3laRk92eDVoRUpVVXEzRUhYWHlJUzRLSGdLYzNrR3B3enBMYUI3U2xMU3NOMU5hVFEzcGw?oc=5) · PYMNTS.com
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3511 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/55.json (key "3511", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide