Is My Money Safe at Wells Fargo Trust Co NA?
Wells Fargo Trust Co NA (FDIC cert #13718) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, Wells Fargo Trust Co NA carries a Bank Health Score of 100/100 (grade A) from FDIC call report data, with its strongest factor being Tier 1 capital (100/100) and Tier 1 capital its weakest (100/100).
This page answers a common banking-safety question: Is My Money Safe at Wells Fargo Trust Co NA?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Are your deposits at Wells Fargo Trust Co NA protected?
Wells Fargo Trust Co NA is FDIC-insured under certificate #13718. That means your deposits are guaranteed by the U.S. government up to $250,000 per depositor, per ownership category — and if the bank ever failed, the FDIC has historically made insured depositors whole within days, usually by the next business day. Checking, savings, money market, and CD balances are all covered; investment products like stocks, bonds, mutual funds, and annuities are not.
Because of that insurance, the practical question for most depositors is not whether your insured money is safe — it is — but whether Wells Fargo Trust Co NA is financially healthy enough that your above-limit balances, business accounts, or banking relationship are on solid ground.Wells Fargo Trust Co NA carries a Bank Health Score of 100/100 (grade A). Its Tier 1 capital ratio of 96.18% sits comfortably above the 8% "well-capitalized" threshold.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 96.18% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 56.37% | 100/100 |
| Return on Assets | 3.58% | 100/100 |
| Total Assets | $1.4B | |
How does Wells Fargo Trust Co NA compare?
With a Bank Health Score of 100/100, Wells Fargo Trust Co NA sits 20.0 points above the national average of 80/100 for FDIC-insured banks. Within Utah, where 41 FDIC-insured banks are headquartered, Wells Fargo Trust Co NA ranks above the state average of 80/100 (Grade A).
The bank's Tier 1 capital ratio of 96.18% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold. Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Wells Fargo Trust Co NA's Bank Health Score held roughly steady at 100/100. Tier 1 capital weakened by 0.25 percentage points to 96.18%.
Frequently Asked Questions
Wells Fargo Trust Co NA (FDIC cert #13718) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, Wells Fargo Trust Co NA carries a Bank Health Score of 100/100 (grade A) from FDIC call report data, with its strongest factor being Tier 1 capital (100/100) and Tier 1 capital its weakest (100/100).
Yes. Wells Fargo Trust Co NA (FDIC certificate #13718) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
Wells Fargo Trust Co NA's Bank Health Score of 100/100 is 20.0 points above the Utah state average of 80/100. 41 FDIC-insured banks are headquartered in Utah.
More about Wells Fargo Trust Co NA
Wells Fargo Trust Co NA (FDIC cert #13718) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, Wells Fargo Trust Co NA carries a Bank Health Score of 100/100 (grade A) from FDIC call report data, with its strongest factor being Tier 1 capital (100/100) and Tier 1 capital its weakest (100/100).