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Wells Fargo Bank South Central National Association

IDRSSD: 2362458
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q4QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #2362458 2025-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Unknown
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 8.7% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 8.7% (Adjusted NPL + Performing Mods denominator).
  3. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.12% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -15
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -15
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 96.3%.

Cash / Assets
—
Loans / Deposits
96.30%
Brokered %
0.00%
No watch items at this period.

Securities

Unknown
—
Sub-score

Insufficient data to compute a narrative for this pillar.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
—
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 71.72%, CET1 71.72%, leverage 23.71%.

Tier 1 RBC
71.72%
CET1
71.72%
Leverage
23.71%
No watch items at this period.

Asset Quality

StrongQoQ +1
92
Sub-score

Asset quality is strong: Adjusted NPL 1.39%, Texas Ratio 3.4%, NCO YTD -0.01%.

Adjusted NPL
1.39%
Govt-guarantees stripped
Texas Ratio
3.4%
NCO YTD
-0.01%
30-89 PD
0.39%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.12% of loans, coverage 8.7%, true coverage 8.7%.

ALLL / Loans
0.12%
Coverage
8.7%
True Loss Coverage
8.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 8.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 8.7% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.12% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 00:10:29 UTC