Wells Fargo Bank S Cntl NA
Houston, Texas · FDIC Cert #5146
Wells Fargo Bank S Cntl NA is an FDIC-insured bank (Certificate #5146) with $3.8B in total assets and $2.8B in total deposits as of the Q2 2024 Call Report. Headquartered in Houston, Texas, the bank maintains a Tier 1 capital ratio of 53.33% (Well-Capitalized) and a nonperforming loan ratio of 1.39%. BankHealthData assigns a composite Health Grade of A (89/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Wells Fargo Bank S Cntl NA (FDIC cert 5146) is a mid-sized bank with $3.8B in total assets and $2.8B in deposits, based in Houston, Texas. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 53.33% 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 1.39% 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: 37.4% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.37% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Wells Fargo Bank S Cntl NA carries a composite BankHealth grade of A (89/100) 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 S Cntl NA
- Total Assets
- $3.8B
- Total Deposits
- $2.8B
- Tier 1 Capital Ratio
- 53.33%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.39%
- Liquidity Ratio
- 37.44%
- Return on Assets
- 1.37%
- Headquarters
- Houston, Texas
- FDIC Certificate
- #5146
- Health Grade
- A (89/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Wells Fargo Bank S Cntl NA holds a Tier 1 capital ratio of 53.33%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Wells Fargo Bank S Cntl NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Wells Fargo Bank S Cntl NA shows strong financial health indicators. With $3.8B in assets and a Health Score of 89/100, 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 S Cntl NA Compares
Wells Fargo Bank S Cntl NA’s Health Score of 89 is 15 points above the Texas state average of 74 across 321 FDIC-insured banks. Its 53.33% Tier 1 capital ratio is 39.3 points above the US banking industry average near 14%. The 1.39% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.37% is in line with or above the national ROA benchmark of ~1.1%. Among 377 similarly-sized banks, the average Health Score is 73, meaning this bank ranks above its size cohort. Site-wide, Wells Fargo Bank S Cntl NA is 19 points above the portfolio average of 70.
Frequently Asked Questions
Wells Fargo Bank S Cntl NA has a Bank Health Score of A (89/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 53.33%, 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 S Cntl NA's Tier 1 capital ratio of 53.33% and nonperforming loan ratio of 1.39% 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 S Cntl NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #5146). 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 S Cntl NA holds $3.8B in total assets and $2.8B in total deposits. It is headquartered in Houston, Texas (FDIC Certificate #5146).
Wells Fargo Bank S Cntl NA has a Tier 1 capital ratio of 53.33%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.39%, and the return on assets is 1.37%.
Yes. Wells Fargo Bank S Cntl NA is FDIC-insured (Certificate #5146). 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 S Cntl 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.