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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · South Dakota, the state note

Wells Fargo Bank N.A.

Sioux Falls, South Dakota · $1907.93B in assets · beside the 10 other the Plains states banks over $10B (the state alone holds too few in the band to rank)

The filing

1.04%
NPA / loans
10th of 11
63.8%
Loans / deposits
3rd of 11
65.0%
CRE / capital
4th of 11

Wells Fargo Bank N.A. is the second largest of the 11 the Plains states banks over $10B, with $1907.93B in assets at 30 June 2026. Loans are 63.8% of deposits, 3rd of 11 against a median of 72.9%, and equity is 8.9% of assets, 7th of 11. Loans grew +11.5% in the year, 5th of 11, and deposits grew 11.8%; the cohort's median loan growth is +8.8%.

Noncurrent loans are 1.04% of the book, 10th of 11 against a median of 0.66%; 0.42% is 30 to 89 days past due, and the allowance covers them 1.3 times. Net charge-offs are 0.40% of loans, 8th of 11. Commercial real estate is 10.4% of loans, 5th of 11 against a median of 18.4%, and 65% of capital, below the 300% screen, with construction at 8% against the 100% screen.

Return on assets is 1.36%, 6th of 11 against a median of 1.36%, on an efficiency ratio of 55.0%, 8th of 11. Five years ago it was 1.04%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansPlains states banks over $10B · 30 June 2026 · lower is stronger, listed first
median 0.66% SB Stifel Bank 0.06% CB Commerce Bank 0.17% AB Ameriprise Bank FSB 0.18% UB UMB Bank National Association 0.34% CT Central Trust Bank 0.49% CN Citibank National Association 0.66% FN First National Bank of Omaha 0.78% BB Bell Bank 0.90% EB Enterprise Bank & Trust 0.98% WF Wells Fargo Bank N.A. 1.04% SB Stifel Bank & Trust 1.09%
Loans, year over yearPlains states banks over $10B · 30 June 2026 · no better direction, largest first
median +8.8% AB Ameriprise Bank FSB +71.8% SB Stifel Bank +32.2% CB Commerce Bank +17.9% UB UMB Bank National Association +11.8% WF Wells Fargo Bank N.A. +11.5% BB Bell Bank +8.8% CN Citibank National Association +8.5% FN First National Bank of Omaha +6.9% SB Stifel Bank & Trust +6.6% EB Enterprise Bank & Trust +4.2% CT Central Trust Bank +3.3%

SBA 7(a), FY2008 to FY2026

Wells Fargo Bank N.A. is the 1st largest 7(a) lender into California of 512, with $5.56B across 15,065 loans, 8.5% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 977 of its 1,761 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Los Angeles, CA$1.38B3rd of 3086.8%+0.2 pts
Orange, CA$739M1st of 25610.0%-1.0 pts
Maricopa, AZ$737M1st of 3039.7%+1.4 pts
San Diego, CA$610M1st of 23811.3%-3.8 pts
Harris, TX$399M3rd of 3144.9%-0.4 pts
Santa Clara, CA$387M1st of 18714.7%+0.5 pts
Alameda, CA$308M1st of 17912.9%+1.9 pts
Riverside, CA$260M2nd of 2197.4%+0.4 pts
Dallas, TX$256M2nd of 3144.7%-0.1 pts
King, WA$230M5th of 1934.9%-0.9 pts
Miami-Dade, FL$225M2nd of 2155.7%-1.0 pts
Sacramento, CA$225M1st of 17010.0%+0.9 pts
Clark, NV$219M2nd of 2297.8%+2.2 pts
1748 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance7,387$3.91B20.3%8.24%2nd of 2,172
Retail trade8,938$2.31B12.0%3.80%2nd of 2,589
Professional & technical services8,847$2.28B11.9%7.05%2nd of 1,955
Manufacturing4,061$1.88B9.8%4.75%2nd of 2,246
Other services6,148$1.70B8.8%4.85%2nd of 2,248
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Wells Fargo Bank N.A.
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Wells Fargo Bank N.A.RankCohort median
Total CRE against capital, the 300% screen65%4th of 1195%
Construction against capital, the 100% screen8%4th of 1136%
Construction and land development, share of loans1.2%4th of 115.6%
Non-owner-occupied nonfarm nonresidential, share of loans6.5%5th of 118.2%
Total CRE, the guidance definition, share of loans10.4%5th of 1118.4%
CRE growth over 36 months, the third prong-14.8%2nd of 10+2.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Citibank National Association$1976.18B1.0%51.7%0.66%1.03%2.3%48.9%8.7%
Wells Fargo Bank N.A.$1907.93B1.4%55.0%1.04%0.40%1.4%63.8%8.9%
UMB Bank National Association$71.90B1.4%51.4%0.34%0.17%1.1%68.4%10.9%
Commerce Bank$35.02B1.2%60.0%0.17%0.24%0.9%74.1%11.0%
First National Bank of Omaha$34.20B1.8%48.1%0.78%1.86%4.0%88.0%11.7%
Ameriprise Bank FSB$25.48B3.0%10.1%0.18%0.10%0.5%11.0%5.8%
Central Trust Bank$20.31B2.0%47.8%0.49%0.10%1.3%71.3%9.0%
Stifel Bank & Trust$19.62B1.9%26.9%1.09%0.41%0.6%86.9%6.8%
Enterprise Bank & Trust$17.36B1.1%61.0%0.98%0.30%1.2%80.8%11.8%
Bell Bank$15.18B0.9%70.7%0.90%0.02%1.0%107.0%9.7%
Stifel Bank$14.62B1.3%29.1%0.06%0.00%0.4%72.9%6.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Wells Fargo Bank N.A.Cohort median
20212026Change20212026Change
Loans$837.57B$997.79B+19%$11.15B$15.22B+37%
Deposits$1494.60B$1563.53B+5%$14.35B$23.94B+67%
NPA / loans1.49%1.04%-0.45 pts0.23%0.66%+0.43 pts
Efficiency70.4%55.0%-15.4 pts55.0%51.4%-3.6 pts
ROA1.04%1.36%+0.33 pts1.43%1.36%-0.07 pts

This read was prepared for Wells Fargo Bank N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Wells Fargo Bank N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Plains states banks over $10B
Institution www.wellsfargo.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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