Welcome State Bank vs Wells Fargo Trust Co NA
Side-by-side bank health comparison using FDIC financial data
Welcome State Bank (A) and Wells Fargo Trust Co NA (A) are close on the BankHealth rubric. Asset bases: $40M versus $1.4B.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Welcome State Bank has a stronger Bank Health Score of 100/100 (A) compared to Wells Fargo Trust Co NA at 100/100 (A), a difference of 0 points. Welcome State Bank holds a Tier 1 capital ratio of 18.8% and an NPL ratio of 0.02%.
| Metric | Welcome State Bank | Wells Fargo Trust Co NA |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A) | 100/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 18.8% | 96.2%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0% | 0.0%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 30.2% | 56.4%* |
| Return on Assets Profitability metric (above 1% is strong) | 2.8% | 3.6%* |
| Total Assets | $40M | $1.4B |
| Total Deposits | $34M | $0 |
| Location | Welcome, Minnesota | Ogden, Utah |
Welcome State Bank has a stronger Bank Health Score of 100/100 (A) compared to Wells Fargo Trust Co NA at 100/100 (A), a difference of 0 points. Welcome State Bank holds a Tier 1 capital ratio of 18.8% and an NPL ratio of 0.02%.