TellerScore

Wells Fargo Bank South Central, National Association (FDIC certificate #5146) is based in Houston, Texas. Its Q2 2026 call report shows $2.6B in total assets and $1.7B in deposits and 1 office.

Based on its Q2 2026 filing, Wells Fargo Bank South Central, National Association scores 80/100, which we describe as strong. That is higher than 90% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 90th. Its strongest component is capital cushion (100/100; 29.69%), and its lowest is funding & liquidity (58/100; 102% loans-to-deposits, 0% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 29.69%
Loan quality59/100
Noncurrent loans ÷ total loans: 1.24%
Earnings85/100
Return on assets (annualized): 1.62%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 102.1% · 0.5% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.73%

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 (80 → 80).

TellerScore
778083Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202479
Q4 202482
Q1 202583
Q2 202580
Q3 202581
Q4 202578
Q1 202681
Q2 202680
Tier 1 leverage ratio
5.00%17.35%29.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202420.41%
Q3 202420.64%
Q4 202419.53%
Q1 202518.61%
Q2 202520.86%
Q3 202523.42%
Q4 202523.71%
Q1 202628.01%
Q2 202629.69%
Noncurrent loans
1.21%1.32%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.39%
Q3 20241.25%
Q4 20241.27%
Q1 20251.27%
Q2 20251.43%
Q3 20251.43%
Q4 20251.39%
Q1 20261.21%
Q2 20261.24%
Return on assets
1.07%1.38%1.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20241.07%
Q4 20241.15%
Q1 20251.31%
Q2 20251.49%
Q3 20251.45%
Q4 20251.48%
Q1 20261.69%
Q2 20261.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$2.6B29.69%1.24%1.62%102.1%
Q1 202681$2.7B28.01%1.21%1.69%99.5%
Q4 202578$2.8B23.71%1.39%1.48%96.3%
Q3 202581$3.7B23.42%1.43%1.45%72.0%
Q2 202580$3.5B20.86%1.43%1.49%83.1%
Q1 202583$4.3B18.61%1.27%1.31%63.2%
Q4 202482$4.5B19.53%1.27%1.15%61.5%
Q3 202479$3.9B20.64%1.25%1.07%76.5%
Q2 202477$3.8B20.41%1.39%1.07%83.5%

897 peers · $1 billion – $10 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).

Capital ratio29.69%
99th
Total risk-based capital80.84%
100th
Problem loans1.24%
21st
Net charge-offs0.01%
67th
Return on assets1.62%
75th
Net interest margin2.35%
4th
Efficiency ratio14.5%
99th
Loans to deposits102.1%
10th
Uninsured deposits0.5%
100th
Loan-loss reserves0.13%
2nd
Texas ratio2.7%
61st

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
State Bank of TexasBank Irving, TX74 out of 100, Strong$2.6B15.7%2.16%vs
Extraco Banks, National AssociationBank Temple, TX70 out of 100, Strong$2.6B8.7%0.04%vs
Horizon Bank, SSBBank Austin, TX72 out of 100, Strong$2.6B9.0%0.00%vs
Community National BankBank Midland, TX70 out of 100, Strong$2.5B12.7%1.66%vs
American National Bank & TrustBank Wichita Falls, TX61 out of 100, Moderate$2.5B10.2%0.88%vs
TexasBankBank Fort Worth, TX80 out of 100, Strong$2.5B12.9%0.41%vs

Deposit insurance

Is my money safe at Wells Fargo Bank South Central, National Association?

Yes. Wells Fargo Bank South Central, National Association is an FDIC-insured institution (FDIC certificate #5146). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 0.5% of deposits ($7.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 29.69%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 80.84% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Wells Fargo Bank South Central, National Association lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Wells Fargo Bank South Central, National Association
Former names
Norwest Bank Minnesota South, National Association; WF National Bank South Central; Norwest Bank Faribault, National Association; First Northwestern National Bank of Faribault
Type
National bank
FDIC certificate #
5146
RSSD ID
2362458
Primary regulator
OCC
Holding company
Wells Fargo&company
Established
June 18, 1894
Headquarters
2005 Taylor St, Houston, TX 77007
0

Quick answers

Wells Fargo Bank South Central, National Association: common questions

Is Wells Fargo Bank South Central, National Association FDIC insured?

Yes. Wells Fargo Bank South Central, National Association is an FDIC-insured institution (FDIC certificate #5146). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Wells Fargo Bank South Central, National Association's TellerScore?

80 out of 100 (Strong), 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 South Central, National Association ever failed?

There is no failure record for FDIC certificate #5146 in the FDIC failed bank list.

How many branches does Wells Fargo Bank South Central, National Association have?

1 office as of the latest FDIC data.

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