BlastPoint's Banking Scorecard
Wells Fargo Bank, National Association
Titans
Specialty: Other
SD
FDIC cert 3511
Sioux Falls, SD
16
banks in Titans tier nationally
2 in SD
View Titans leaderboard (SD) →
Wells Fargo Bank, National Association shows strong momentum with 2 strengths and 6.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 1% in Titans
- + Deposit Franchise: Top 1% in Titans
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1,822.7B
+6.9% YoY
+3.1% QoQ
|
+$870.3B |
$952.4B
-3.6% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$939.3B
+8.5% YoY
+4.5% QoQ
|
+$520.8B |
$418.5B
-0.2% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$1,483.4B
+3.4% YoY
+4.1% QoQ
|
+$743.6B |
$739.8B
-3.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
1.41%
+7.0% YoY
-0.6% QoQ
|
+0.30% |
1.11%
+7.2% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
3.29%
-2.3% YoY
-0.1% QoQ
|
+0.82% |
2.47%
+1.2% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
55.41%
-2.7% YoY
-0.7% QoQ
|
-0.46% |
55.86%
+1.9% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
1.22%
-16.2% YoY
-1.3% QoQ
|
+0.35% |
0.86%
-12.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
63.32%
+5.0% YoY
+0.4% QoQ
|
+7.64% |
55.68%
+5.4% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
27.31%
-6.7% YoY
-5.0% QoQ
|
+12.51% |
14.80%
-14.8% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.65%
-14.3% YoY
+0.3% QoQ
|
+0.21% |
0.44%
-9.5% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
12.81%
-2.1% YoY
-2.4% QoQ
|
-2.71% |
15.52%
+8.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
25% |
| Non-Interest Income / Assets ? |
1.36%
+1.4% YoY
+27.8% QoQ
|
+0.11% |
1.25%
-5.5% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#1 of 4 · Top 1% in Titans
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.41%
(Tier: 1.11%, National: 1.12%)
4 of 4 Titans banks match
·
444 nationally
→ Stable
+5 banks QoQ
Deposit Franchise
growth
#1 of 2 · Top 1% in Titans
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
27.31%
(Tier: 14.80%, National: 21.79%)
Net Interest Margin:
3.29%
(Tier: 2.47%, National: 3.75%)
2 of 2 Titans banks match
·
176 nationally
→ Stable
+2 banks QoQ
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 2.47%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 27.31% · Tier avg: 14.80%
88
88th pctile
Total Loans
Current: $939.3B · Tier avg: $418.5B
88
88th pctile
Total Deposits
Current: $1,483.4B · Tier avg: $739.8B
88
88th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.11%
81
81th pctile
Total Assets
Current: $1,822.7B · Tier avg: $952.4B
62
62th pctile
Non-Interest Income / Assets
Current: 1.36% · Tier avg: 1.25%
44
44th pctile
Efficiency Ratio
Current: 55.41% · Tier avg: 55.86%
44
44th pctile
Loan-to-Deposit Ratio
Current: 63.32% · Tier avg: 55.68%
25
25th pctile
Delinquency Rate
Current: 1.22% · Tier avg: 0.86%
25
25th pctile
Tier 1 Capital Ratio
Current: 12.81% · Tier avg: 15.52%
19
19th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.44%
Top Weaknesses
19
19th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.44%
25
25th pctile
Tier 1 Capital Ratio
Current: 12.81% · Tier avg: 15.52%
25
25th pctile
Delinquency Rate
Current: 1.22% · Tier avg: 0.86%
44
44th pctile
Loan-to-Deposit Ratio
Current: 63.32% · Tier avg: 55.68%
44
44th pctile
Efficiency Ratio
Current: 55.41% · Tier avg: 55.86%
62
62th pctile
Non-Interest Income / Assets
Current: 1.36% · Tier avg: 1.25%
81
81th pctile
Total Assets
Current: $1,822.7B · Tier avg: $952.4B
88
88th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.11%
88
88th pctile
Total Deposits
Current: $1,483.4B · Tier avg: $739.8B
88
88th pctile
Total Loans
Current: $939.3B · Tier avg: $418.5B
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 27.31% · Tier avg: 14.80%
94
94th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 2.47%