WELLS FARGO BANK, NATIONAL ASSOCIATION
SIOUX FALLS, SD · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$1.85T
Total Deposits
$1.52T
Net Loans
$971.6B
Net Income
$6.0B
ROA
1.30%
Below avg for Large banks. Peer avg: 1.37%
ROE
13.75%
Risk-Based Capital
14.06%
Below avg for Large banks. Regulatory min: 8%
Compared to the peer-bank Large peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 79,930 | 46.59% | 21.77% |
| 2023 | 107,108 | 47.82% | 24.20% |
| 2022 | 279,845 | 51.02% | 25.34% |
| 2021 | 648,601 | 57.93% | 18.11% |
| 2020 | 638,341 | 50.13% | 22.36% |
| 2019 | 610,534 | 47.37% |
Last 12 Months
22,300
Since 2018
110,621
all complaints on record
Monetary Relief
20.3%
% of complaints where company provided monetary relief
Untimely Response
0.9%
% exceeding CFPB's 15-day response window
Complaints by Product Type
| Exam Date | Rating | Exam Type |
|---|---|---|
| Feb 2023 | Outstanding | Large Bank |
| Feb 2019 | Outstanding | Large Bank |
| Sep 2012 | Needs to Improve | Large Bank |
6 previous ratings locked — back to 1993
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Total Branches
4,214
Branch Deposits
$1.39T
1-Year Change
-90
5-year net change: -1197 branches
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Preview:
| 29.68% |
| 2018 | 529,777 | 49.62% | 31.09% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Large bank avg: 31.66% · above-average shown in red
Monthly Complaints (2021–present)
| Month | Complaints | With Monetary Relief |
|---|---|---|
| August 2025 | 1629 | 366 |
| September 2025 | 1702 | 396 |
| October 2025 | 1753 | 391 |
| November 2025 | 1675 | 405 |
| December 2025 | 2117 | 463 |
| January 2026 | 2251 | 503 |
| February 2026 | 1822 | 474 |
| March 2026 | 2287 | 495 |
| April 2026 | 2211 | 451 |
| May 2026 | 2000 | 319 |
| June 2026 | 1045 | 91 |
Data through Jun 2026.Last 12 months shown — unlock full history.
Full 2021–present history available — unlock this bank for $9 one-time.