🏦Bank Scorer

WELLS FARGO BANK, NATIONAL ASSOCIATION

SIOUX FALLS, SD · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1870FDIC #3,511
Part ofWells Fargo & Company→ View all charters
Outstanding Same

Current rating · Exam: February 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Consumer Complaints (12 mo)

829

0.45 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 1.30%

Institution Profile

FDIC BankFind

Address

3201 N 4th Ave, SIOUX FALLS, SD

County

Minnehaha County

Established

January 1, 1870

Total Assets

$1.85T(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

February 6, 2023

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.85T

Total Deposits

$1.52T

Net Loans

$971.6B

Net Income

$6.0B

ROA

1.30%

ROE

13.75%

Risk-Based Capital

14.06%

Regulatory minimum: 8%

Peer Comparison

Large banks

Compared to the peer-bank Large peer group (same asset tier).

Complaints / $B0.45Peer avg: 0.83▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

4,214

Branch Deposits

$1.39T

1-Year Change

-90

5-year net change: -1197 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202479,93046.59%21.77%
2023107,10847.82%24.20%
2022279,84551.02%25.34%
2021648,60157.93%18.11%
2020638,34150.13%22.36%
2019610,53447.37%29.68%
2018529,77749.62%31.09%

2024 national avg denial rate: 23.75% · above-average shown in red

Consumer Complaints

CFPB · through Jun 2026

Last 12 Months

829

All Time

3,153

Monetary Relief

23.2%

Untimely Response

0%

Most common complaint type: Checking or savings account· 0.45 per $B assets (12m)

Monthly Complaints (last 24 months)

MonthComplaintsWith Monetary Relief
July 202400
August 202400
September 202410
October 2024173
November 202400
December 202400
January 202500
February 202500
March 202500
April 202551
May 202500
June 202500
July 202500
August 202500
September 2025375
October 2025415
November 2025172
December 2025586
January 2026153
February 202642
March 20269422
April 202628552
May 202622223
June 2026563

Data through Jun 2026. Zero-height bars indicate months with no complaints on record.

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

8 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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