BlastPoint's Banking Scorecard
Wells Fargo Bank South Central, National Association
Community
Specialty: Mortgage
TX
FDIC cert 5146
Houston, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Wells Fargo Bank South Central, National Association has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 47.57% below tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 3% in Community
- - Liquidity Strain: Bottom 3% in Community
- - Deposit Outflow: Bottom 17% in Community
- - Capital Constraint: Bottom 91% in Community
- - Net Interest Margin 1.59% below tier
- - Non-Interest-Bearing Deposit Share 21.05% below tier
- - Non-Interest Income / Assets 0.70% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
-37.0% YoY
-23.1% QoQ
|
+$1.4B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$1.8B
-14.4% YoY
-3.9% QoQ
|
+$869.8M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$1.9B
-45.3% YoY
-28.1% QoQ
|
+$751.7M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
1.48%
+29.2% YoY
+2.1% QoQ
|
+0.32% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
2.07%
+21.5% YoY
+5.3% QoQ
|
-1.59% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
15.06%
-33.7% YoY
-2.8% QoQ
|
-47.57% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
1.39%
+9.3% YoY
-2.7% QoQ
|
+0.76% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
96.30%
+56.5% YoY
+33.7% QoQ
|
+13.24% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -21.05% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? |
0.92%
+45.3% YoY
+21.6% QoQ
|
+0.42% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
71.72%
+37.7% YoY
+5.8% QoQ
|
+61.47% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
0.04%
+48.9% QoQ
|
-0.70% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
15.06%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (7)
Liquidity Overhang
risk
#8 of 268 · Bottom 3% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
71.72%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
96.30%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#15 of 513 · Bottom 3% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
96.30%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Deposit Outflow
decline
#42 of 248 · Bottom 17% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Capital Constraint
risk
#43 of 47 · Bottom 91% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
96.30%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
71.72%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Net Interest Margin
metric
Bottom 2%
in Community
Why this stands out
Current:
2.07%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 21.05%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
0.04%
(Tier avg: 0.74%, National avg: 0.65%)
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
100
100th pctile
Efficiency Ratio
Current: 15.06% · Tier avg: 62.63%
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
87
87th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
84
84th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
73
73th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.16%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.92% · Tier avg: 0.50%
20
20th pctile
Loan-to-Deposit Ratio
Current: 96.30% · Tier avg: 83.06%
18
18th pctile
Delinquency Rate
Current: 1.39% · Tier avg: 0.63%
2
2th pctile
Net Interest Margin
Current: 2.07% · Tier avg: 3.66%
1
1th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.74%
0
0th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 21.05%
Top Weaknesses
0
0th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 21.05%
1
1th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.74%
2
2th pctile
Net Interest Margin
Current: 2.07% · Tier avg: 3.66%
18
18th pctile
Delinquency Rate
Current: 1.39% · Tier avg: 0.63%
20
20th pctile
Loan-to-Deposit Ratio
Current: 96.30% · Tier avg: 83.06%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.92% · Tier avg: 0.50%
73
73th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.16%
84
84th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
87
87th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
100
100th pctile
Efficiency Ratio
Current: 15.06% · Tier avg: 62.63%