▣ Examiner
← All bank profiles
Examined: Sat, 25 Apr 2026 19:36:10 GMT

Wells Fargo Bank, National Association

RSSD 451965 · SD · Total assets $1,822,693M
Composite CAMELS
2
2 — Satisfactory
C
Capital
2
0 findings
A
Asset Quality
2
1 finding
M
Management
2
0 findings
E
Earnings
2
0 findings
L
Liquidity
2
0 findings
S
Sensitivity
2
0 findings
0
Critical
0
High
1
Moderate
0
Low
24
Procedures run

Findings

MODERATE · Asset Quality Procedure A-01

Nonperforming loan ratio exceeds examination threshold

Citation
OCC Comptroller's Handbook, Rating Credit Risk (April 2001) - https://occ.treas.gov/publications-and-resources/publications/comptrollers-handbook/files/rating-credit-risk/index-rating-credit-risk.html; FFIEC UBPR User's Guide, Section III, Analysis of Past-Due, Nonaccrual & Restructured Loans and Leases - https://www.ffiec.gov/data/ubpr/report-user-guide
Evidence
Nonperforming loans consist of nonaccrual loans $12,567M plus loans 90 days or more past due and still accruing $4,907M, measured against total loans and leases $879,490M.
Recommended action
Provide board and management analysis of the nonperforming loan drivers, updated risk-rating support, workout and collection status for material credits, charge-off review support, and portfolio-level action plans for segments contributing to elevated nonperformance.

Key ratios computed

Tier 1 ratio
13.08%
↑ rank 14 of 16 · global
Tier 1 leverage
8.72%
↑ rank 11 of 16 · global
Total capital
15.09%
↑ rank 11 of 16 · global
NPL ratio
1.43%
ACL coverage
112.95%
CRE concentration
26.28%
Construction conc.
11.60%
ROA (annualized)
1.32%
↑ rank 4 of 16 · global
NIM
3.37%
↑ rank 2 of 16 · global
Efficiency ratio
56.93%
↓ rank 10 of 16 · global
Loans / Deposits
61.29%
Brokered / Deposits
6.93%
Uninsured / Deposits
43.40%
Liquid asset ratio
9.72%
HTM loss / Tier 1
—
Asset growth YoY
—

Trend — last 8 quarters

Total assets ($M)
$1,705,538M
23Q03$1,687,507M 23Q06$1,667,885M 23Q09$1,704,891M 23Q12$1,733,244M 24Q03$1,743,283M 24Q06$1,719,839M 24Q09$1,698,675M 24Q12$1,705,538M
Tier 1 leverage
8.72%
23Q038.52% 23Q068.62% 23Q098.52% 23Q128.45% 24Q038.46% 24Q068.68% 24Q098.90% 24Q128.72%
Tier 1 RBC ratio
13.08%
23Q0312.24% 23Q0612.33% 23Q0912.35% 23Q1212.49% 24Q0312.67% 24Q0612.93% 24Q0913.27% 24Q1213.08%
ROA (YTD ann.)
1.32%
23Q031.41% 23Q061.35% 23Q091.42% 23Q121.29% 24Q031.23% 24Q061.28% 24Q091.32% 24Q121.32%
NIM (YTD ann.)
3.37%
23Q033.60% 23Q063.62% 23Q093.61% 23Q123.58% 24Q033.33% 24Q063.33% 24Q093.34% 24Q123.37%
Efficiency ratio
56.9%
23Q0356.4% 23Q0656.3% 23Q0955.4% 23Q1258.9% 24Q0360.2% 24Q0658.0% 24Q0956.4% 24Q1256.9%

This report was produced in <200ms from the underlying procedures library. Production deployments cite source documents directly from your loan tape, GL, and core system.

Set up a pilot →