← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Wells Fargo Bank S Central N.A.

Houston, Texas · $2.59B in assets · beside the 11 other Texas banks between $1B and $3B

The filing

30.1%
Equity / assets
1st of 12
0.0%
CRE / loans
1st of 12
14.5%
Efficiency
1st of 12

Wells Fargo Bank S Central N.A. is the fourth largest of the 12 Texas banks nearest its size between $1B and $3B, with $2.59B in assets at 30 June 2026. Loans are 102.3% of deposits, 11th of 12 against a median of 78.6%, and equity is 30.1% of assets, the highest in the cohort. Loans grew -14.6% in the year, the slowest in the cohort, and deposits fell 30.5%; the cohort's median loan growth is +3.6%.

Noncurrent loans are 1.24% of the book, 9th of 12 against a median of 0.58%; 0.19% is 30 to 89 days past due, and the allowance covers them 0.1 times. Commercial real estate is 0.0% of loans, the lowest in the cohort against a median of 37.7%, and 0% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 1.67%, 6th of 12 against a median of 1.67%, on an efficiency ratio of 14.5%, the lowest in the cohort. Five years ago it was 0.23%. The question is what the capital is for: the balance sheet carries less risk than it could.

Commercial real estate, share of loansTX banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 37.7% WF Wells Fargo Bank S Central N.A. 0.0% EB Extraco Banks National Association 25.7% T Texasbank 35.3% JB Jefferson Bank 35.5% CN Community National Bank 35.8% FU First United Bank 37.4% HB Horizon Bank SSB 38.0% TF Texas First Bank 43.3% AM American Momentum Bank 47.3% AN American National Bank & Trust 56.0% PB Pinnacle Bank 57.5% SB State Bank of Texas 98.8%
Loans, year over yearTX banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +3.6% T Texasbank +9.2% AN American National Bank & Trust +8.0% TF Texas First Bank +6.3% HB Horizon Bank SSB +6.1% PB Pinnacle Bank +5.4% JB Jefferson Bank +4.5% FU First United Bank +2.8% EB Extraco Banks National Association +1.1% AM American Momentum Bank +0.1% CN Community National Bank -1.1% SB State Bank of Texas -7.0% WF Wells Fargo Bank S Central N.A. -14.6%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Wells FargoRankCohort median
Total CRE against capital, the 300% screen0%1st of 12235%
Construction against capital, the 100% screen0%1st of 1267%
Construction and land development, share of loans0.0%1st of 1212.1%
Non-owner-occupied nonfarm nonresidential, share of loans0.0%1st of 1220.6%
Total CRE, the guidance definition, share of loans0.0%1st of 1237.7%
CRE growth over 36 months, the third prong-100.0%1st of 12+19.4%
Commercial real estate against capital, the 300% screenTX banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 235% WF Wells Fargo Bank S Central N.A. 0% EB Extraco Banks National Association 149% CN Community National Bank 164% AM American Momentum Bank 173% FU First United Bank 190% T Texasbank 223% TF Texas First Bank 247% JB Jefferson Bank 251% HB Horizon Bank SSB 254% PB Pinnacle Bank 352% AN American National Bank & Trust 388% SB State Bank of Texas 484%
CRE growth over 36 months, the guidance's third prongTX banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +19.4% WF Wells Fargo Bank S Central N.A. -100.0% EB Extraco Banks National Association -8.3% AM American Momentum Bank -2.8% HB Horizon Bank SSB +7.3% JB Jefferson Bank +10.0% SB State Bank of Texas +19.3% CN Community National Bank +19.4% PB Pinnacle Bank +21.9% FU First United Bank +24.0% AN American National Bank & Trust +26.1% T Texasbank +31.7% TF Texas First Bank +65.0%

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
Jefferson Bank$2.88B1.1%74.8%0.75%0.01%0.8%75.6%8.6%
American Momentum Bank$2.85B1.3%59.6%3.52%0.11%1.2%91.4%22.2%
Pinnacle Bank$2.72B1.4%52.3%0.13%0.01%1.2%81.6%13.2%
Wells Fargo Bank S Central N.A.$2.59B1.7%14.5%1.24%0.01%0.1%102.3%30.1%
State Bank of Texas$2.59B4.2%21.4%2.16%0.00%1.0%97.8%16.4%
Extraco Banks National Association$2.57B0.8%75.7%0.04%0.04%2.4%64.4%8.4%
Horizon Bank SSB$2.55B1.7%52.6%0.00%0.02%1.7%74.0%8.0%
Community National Bank$2.54B2.1%47.6%1.66%0.01%1.7%72.7%12.9%
American National Bank & Trust$2.54B1.0%68.3%0.88%0.00%1.1%85.7%10.2%
Texasbank$2.48B2.3%52.8%0.41%0.11%1.2%106.5%12.6%
First United Bank$2.41B2.0%53.2%0.41%0.10%1.3%70.8%10.5%
Texas First Bank$2.35B1.7%58.6%0.17%0.01%1.3%65.1%9.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Wells FargoCohort median
20212026Change20212026Change
Loans$4.58B$1.71B-63%$1.05B$1.81B+73%
Deposits$4.35B$1.67B-62%$1.66B$2.16B+30%
NPA / loans1.67%1.24%-0.43 pts0.45%0.58%+0.14 pts
Efficiency32.2%14.5%-17.7 pts57.9%53.0%-4.9 pts
ROA0.23%1.67%+1.44 pts1.19%1.67%+0.48 pts

This read was prepared for Wells Fargo Bank S Central 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 S Central 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 TX banks $1B to $3B
Institution www.wellsfargo.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. 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.
← Back to the catalogue