Wells Fargo Bank NA
Sioux Falls, South Dakota · FDIC Cert #3511
Wells Fargo Bank NA is an FDIC-insured bank (Certificate #3511) with $1.7T in total assets and $1.4T in total deposits as of the Q2 2024 Call Report. Headquartered in Sioux Falls, South Dakota, the bank maintains a Tier 1 capital ratio of 12.93% (Well-Capitalized) and a nonperforming loan ratio of 1.36%. BankHealthData assigns a composite Health Grade of A (84/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Wells Fargo Bank NA (FDIC cert 3511) is a mega-bank: $1.7T in total assets, $1.4T in deposits, headquartered in Sioux Falls, South Dakota. Banks at this scale account for the bulk of U.S. banking assets and operate under enhanced prudential standards from the Federal Reserve, OCC, and FDIC.
Capital position is strong: Tier 1 capital ratio of 12.93% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.36% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 36.3% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 1.56% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Wells Fargo Bank NA carries a composite BankHealth grade of A (84/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Wells Fargo Bank NA
- Total Assets
- $1.7T
- Total Deposits
- $1.4T
- Tier 1 Capital Ratio
- 12.93%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.36%
- Liquidity Ratio
- 36.29%
- Return on Assets
- 1.56%
- Headquarters
- Sioux Falls, South Dakota
- FDIC Certificate
- #3511
- Health Grade
- A (84/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Wells Fargo Bank NA holds a Tier 1 capital ratio of 12.93%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Wells Fargo Bank NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Wells Fargo Bank NA shows strong financial health indicators. With $1.7T in assets and a Health Score of 84/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Wells Fargo Bank NA Compares
Wells Fargo Bank NA’s Health Score of 84 is 10 points above the South Dakota state average of 74 across 47 FDIC-insured banks. Its 12.93% Tier 1 capital ratio is 1.1 points below the US banking industry average near 14%. The 1.36% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.56% is in line with or above the national ROA benchmark of ~1.1%. Site-wide, Wells Fargo Bank NA is 14 points above the portfolio average of 70.
Frequently Asked Questions
Wells Fargo Bank NA has a Bank Health Score of A (84/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 12.93%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Wells Fargo Bank NA's Tier 1 capital ratio of 12.93% and nonperforming loan ratio of 1.36% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Wells Fargo Bank NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #3511). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Wells Fargo Bank NA holds $1.7T in total assets and $1.4T in total deposits. It is headquartered in Sioux Falls, South Dakota (FDIC Certificate #3511).
Wells Fargo Bank NA has a Tier 1 capital ratio of 12.93%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.36%, and the return on assets is 1.56%.
Yes. Wells Fargo Bank NA is FDIC-insured (Certificate #3511). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Wells Fargo Bank NA's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.