Wells Fargo Bank, National Association is a national bank headquartered in Sioux Falls, South Dakota, in business for about 156 years. At the end of Q2 2026 it reported $1.9T in total assets and $1.6T in deposits, with 4,176 offices across 34 states.
Based on its Q2 2026 filing, Wells Fargo Bank, National Association scores 58/100, which we describe as moderate. That is higher than only 21% of 32 banks with over $100 billion. Among 56 banks headquartered in South Dakota, it ranks 49th. Its strongest component is problem-loan coverage (88/100; 5.8%), and its lowest is capital cushion (30/100; 8.02%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (59 → 58).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 59 |
| Q4 2024 | 57 |
| Q1 2025 | 58 |
| Q2 2025 | 59 |
| Q3 2025 | 60 |
| Q4 2025 | 59 |
| Q1 2026 | 58 |
| Q2 2026 | 58 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.68% |
| Q3 2024 | 8.90% |
| Q4 2024 | 8.72% |
| Q1 2025 | 8.84% |
| Q2 2025 | 8.93% |
| Q3 2025 | 8.70% |
| Q4 2025 | 8.69% |
| Q1 2026 | 8.40% |
| Q2 2026 | 8.02% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.36% |
| Q3 2024 | 1.39% |
| Q4 2024 | 1.43% |
| Q1 2025 | 1.37% |
| Q2 2025 | 1.33% |
| Q3 2025 | 1.21% |
| Q4 2025 | 1.20% |
| Q1 2026 | 1.18% |
| Q2 2026 | 1.04% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.28% |
| Q3 2024 | 1.32% |
| Q4 2024 | 1.32% |
| Q1 2025 | 1.30% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.42% |
| Q4 2025 | 1.41% |
| Q1 2026 | 1.30% |
| Q2 2026 | 1.38% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $1.9T | 8.02% | 1.04% | 1.38% | 62.9% |
| Q1 2026 | 58 | $1.9T | 8.40% | 1.18% | 1.30% | 64.0% |
| Q4 2025 | 59 | $1.8T | 8.69% | 1.20% | 1.41% | 63.3% |
| Q3 2025 | 60 | $1.8T | 8.70% | 1.21% | 1.42% | 63.1% |
| Q2 2025 | 59 | $1.7T | 8.93% | 1.33% | 1.43% | 63.0% |
| Q1 2025 | 58 | $1.7T | 8.84% | 1.37% | 1.30% | 61.1% |
| Q4 2024 | 57 | $1.7T | 8.72% | 1.43% | 1.32% | 60.3% |
| Q3 2024 | 59 | $1.7T | 8.90% | 1.39% | 1.32% | 60.9% |
| Q2 2024 | 58 | $1.7T | 8.68% | 1.36% | 1.28% | 61.3% |
32 peers · Over $100 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in South Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citibank, National AssociationBank Sioux Falls, SD | 60 out of 100, Moderate | $2.0T | 7.9% | 0.66% | vs |
Deposit insurance
Is my money safe at Wells Fargo Bank, National Association?
Yes. Wells Fargo Bank, National Association is an FDIC-insured institution (FDIC certificate #3511). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 50.3% of deposits ($786.2B) are above the $250,000 FDIC insurance limit, above the peer median of 43%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.02%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.50% (benchmark: 10%).
4,176 locations
Branches
Wells Fargo Bank, National Association lists 2,118 offices in 400 cities across 34 states. Most locations:
- Houston, TX (62)
- Las Vegas, NV (40)
- Austin, TX (33)
- Los Angeles, CA (29)
- New York, NY (29)
- Philadelphia, PA (29)
- San Francisco, CA (29)
- Atlanta, GA (28)
- Charlotte, NC (28)
- Miami, FL (28)
- Phoenix, AZ (28)
- San Diego, CA (27)
CFPB complaint database
Consumer complaints
Over the last three years, the CFPB forwarded 55,354 consumer complaints about WELLS FARGO & COMPANY to the company (22,592 in the last 12 months). 100.0% received a timely response. That is 35.4 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.
Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.
HMDA 2025
Mortgage lending
In 2025, Wells Fargo Bank, National Association reported 72,986 home-loan applications under HMDA (LEI KB1H1DSPRFMYMCUFXT09): 41,562 originated ($48,198,970,000 total), 11,898 denied, and 19,355 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| Choice Privileges Mastercard | 19.24% – 28.49% | $0 | — | 0.0% |
| Choice Privileges Select Mastercard | 19.24% – 28.49% | $95 | — | 0.0% |
| One Key Card Mastercard World Elite | 18.49% – 28.49% | $0 | — | 0.0% |
| One Key+ Mastercard | 18.49% – 28.49% | $99 | — | 0.0% |
| The Private Bank by Invitation Visa Signature Card | 15.99% | $0 | — | 0.0% |
| Wells Fargo Active Cash Card | 18.49% – 28.49% | $0 | — | 3.0% |
| Wells Fargo Advisors by Invitation Visa Signature Card | 15.99% | $0 | — | 0.0% |
| Wells Fargo Attune World Elite Mastercard | 18.49% – 28.49% | $0 | — | 3.0% |
Identity & history
Profile
- Legal name
- Wells Fargo Bank, National Association
- Former names
- Crocker National Bank; Crocker-Citizens National Bank; Crocker-Anglo National Bank; Crocker First National Bank of San Francisco
- Type
- National bank
- FDIC certificate #
- 3511
- RSSD ID
- 451965
- Primary regulator
- OCC
- Holding company
- Wells Fargo&company
- Established
- January 1, 1870
- Headquarters
- 3201 N 4th Ave, Sioux Falls, SD 57104
- Website
- www.wellsfargo.com
- Employees
- 174,186
Quick answers
Wells Fargo Bank, National Association: common questions
Is Wells Fargo Bank, National Association FDIC insured?
Yes. Wells Fargo Bank, National Association is an FDIC-insured institution (FDIC certificate #3511). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Wells Fargo Bank, National Association's TellerScore?
58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Wells Fargo Bank, National Association ever failed?
There is no failure record for FDIC certificate #3511 in the FDIC failed bank list.
How many branches does Wells Fargo Bank, National Association have?
4,176 offices as of the latest FDIC data, in 34 states.
Nearby
Highest-scoring banks and credit unions with branches near Sioux Falls
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security National Bank of South DakotaBank Dakota Dunes, SD | 93 out of 100, Very strong | $251.5M | 14.1% | 0.00% | vs |
| Merchants State BankBank Freeman, SD | 91 out of 100, Very strong | $219.6M | 17.3% | 0.32% | vs |
| First PREMIER BankBank Sioux Falls, SD | 85 out of 100, Very strong | $3.6B | 13.7% | 0.10% | vs |
| First Savings BankBank Beresford, SD | 83 out of 100, Strong | $1.6B | 19.3% | 0.90% | vs |
| First Dakota National BankBank Yankton, SD | 72 out of 100, Strong | $3.4B | 10.4% | 0.30% | vs |
| American Bank & TrustBank Sioux Falls, SD | 72 out of 100, Strong | $2.2B | 11.3% | 0.57% | vs |