Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
Wells Fargo Bank, National Association
Sioux Falls, SD · FDIC cert 3511
· class N
· primary regulator OCC
· charter OCC
· holding company Wells Fargo&company
total assets $1,907,928mn · band over $100bn · established 1870 · Call Report 2026Q2 · branches from the 2025 Summary of Deposits
total assets $1,907,928mn · band over $100bn · established 1870 · Call Report 2026Q2 · branches from the 2025 Summary of Deposits
The public record, as the regulator reads it. Every number on this page is from an FDIC filing
or a public loan-level tape; every line is the regulator's own; nothing is scored, summed or graded.
This bank is over neither of SR 06-26's two criteria.
The lines · 2026Q2 Call Report
SR 06-26 (the 2006 interagency guidance on CRE concentrations), the Prompt Corrective Action capital lines
(12 CFR 324.403) on the filer's own basis, and the FDIC's brokered-deposit line (12 CFR 327.16). A value on the far
side of its line is colored; that is the whole of what a crossed line means here.
| line | this bank | the line | the rule |
|---|---|---|---|
| Investor CRE / total risk-based capital | 62% total 73% |
≥ 300% | construction, multifamily and non-owner-occupied nonfarm nonresidential over total risk-based capital — the first half of criterion 2; owner-occupied excluded, as the guidance excludes it. "Total" beneath adds it back. |
| Construction & land loans / capital | 7.5% | ≥ 100% | construction, land development and other land loans over total risk-based capital — criterion 1 of the 2006 interagency guidance |
| CRE book growth, 36 months | -14.8% | ≥ 50% | the supervisory CRE book (owner-occupied excluded) against the same bank twelve quarters earlier — the second half of criterion 2, which the 300% line alone does not state |
| Total risk-based capital ratio | 13.5% | < 10% | total risk-based capital over risk-weighted assets; well capitalized at 10%, adequately at 8%. A CBLR filer reports none and is printed as not reported |
| Tier 1 risk-based capital ratio | 12.1% | < 8% | tier 1 capital over risk-weighted assets; well capitalized at 8%, adequately at 6%. A CBLR filer reports none and is printed as not reported |
| Tier 1 leverage ratio | 8.0% | < 5% | tier 1 capital over average assets; well capitalized at 5% for a risk-based filer, and the CBLR framework's own 9% line for a leverage-only filer |
| Brokered deposits / assets | 7.9% | ≥ 10% | brokered deposits over total assets; above 10% they begin to count in the FDIC's assessment formula (12 CFR 327.16) |
Criterion 1 is construction at or above 100% of capital:
not over.
Criterion 2 is BOTH halves — investor CRE at or above 300% of capital AND the book grown 50% or more in 36 months
(from the tape's own quarter, 2023Q2):
not over.
Capital is read on the risk-based basis this bank files on.
Its market · branches as of 30 June 2025
A branch is a building in a ZIP (FDIC Summary of Deposits); no dollar is allocated to any metro. For each metro this bank has a branch in:
the Hotspots reading (retail and office, each elevated or not against a bar set at the top quartile of the 294 metros with both readings — a relative cut, not a regulator's line),
the public CMBS tape in the metro, and the counts behind the doors.
246 metros, by branch count.
256 branches · 6% of the bank's
CMBS in the metro
665 loans
3.2% distressed · retail 0.7% · office 4.7%
Behind the door
166 on the forward watch
$4,996mn not yet in special servicing · 30 in special servicing with commentary · 45 WARN notices in 90 days (4,143 jobs)
237 branches · 6% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
2,539 loans
3.3% distressed · retail 3.9% · office 7.1%
Behind the door
645 on the forward watch
$16,922mn not yet in special servicing · 79 in special servicing with commentary · 70 WARN notices in 90 days (9,283 jobs)
159 branches · 4% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
277 loans
0.7% distressed · retail 1.4% · office 1.2%
Behind the door
57 on the forward watch
$1,398mn not yet in special servicing · 1 in special servicing with commentary · 8 WARN notices in 90 days (947 jobs)
138 branches · 3% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
292 loans
1.7% distressed · retail 0.0% · office 2.3%
Behind the door
63 on the forward watch
$1,536mn not yet in special servicing · 8 in special servicing with commentary · 5 WARN notices in 90 days (516 jobs)
137 branches · 3% of the bank's
Hotspots cell
retail & office
retail elevated · office elevated · WARN-corroborated
CMBS in the metro
384 loans
3.8% distressed · retail 0.9% · office 5.3%
Behind the door
80 on the forward watch
$1,803mn not yet in special servicing · 12 in special servicing with commentary · 2 WARN notices in 90 days (348 jobs)
135 branches · 3% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
274 loans
5.1% distressed · retail 0.0% · office 5.1%
Behind the door
78 on the forward watch
$2,336mn not yet in special servicing · 15 in special servicing with commentary · 18 WARN notices in 90 days (4,258 jobs)
128 branches · 3% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
222 loans
4.9% distressed · retail 0.0% · office 9.9%
Behind the door
70 on the forward watch
$2,690mn not yet in special servicing · 12 in special servicing with commentary · 44 WARN notices in 90 days (6,295 jobs)
128 branches · 3% of the bank's
Hotspots cell
retail only read
retail elevated · office not read · WARN-corroborated
CMBS in the metro
305 loans
1.6% distressed · retail 0.0% · office 7.1%
Behind the door
56 on the forward watch
$994mn not yet in special servicing · 9 in special servicing with commentary · 22 WARN notices in 90 days (3,708 jobs)
127 branches · 3% of the bank's
Hotspots cell
retail & office
retail elevated · office elevated · WARN-corroborated
CMBS in the metro
254 loans
3.3% distressed · retail 2.6% · office 5.4%
Behind the door
58 on the forward watch
$2,156mn not yet in special servicing · 13 in special servicing with commentary · 20 WARN notices in 90 days (2,899 jobs)
96 branches · 2% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
225 loans
0.4% distressed · retail 0.0% · office 2.1%
Behind the door
35 on the forward watch
$686mn not yet in special servicing · 0 in special servicing with commentary · 19 WARN notices in 90 days (1,377 jobs)
84 branches · 2% of the bank's
Hotspots cell
retail & office
retail elevated · office elevated
CMBS in the metro
64 loans
3.1% distressed · retail 0.0% · office 11.6%
Behind the door
18 on the forward watch
$463mn not yet in special servicing · 0 in special servicing with commentary · 4 WARN notices in 90 days (789 jobs)
78 branches · 2% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
155 loans
3.9% distressed · retail 2.7% · office 6.9%
Behind the door
42 on the forward watch
$1,716mn not yet in special servicing · 6 in special servicing with commentary · 39 WARN notices in 90 days (5,922 jobs)
The remaining 234 metros, by branch count — the same reading, one row each:
| metro | branches | hotspots cell | CMBS loans | distressed | on the watch |
|---|---|---|---|---|---|
| San Diego-Chula Vista-Carlsbad, CA | 73 | retail | 147 | 0.7% | 28 |
| Riverside-San Bernardino-Ontario, CA | 70 | retail | 196 | 1.0% | 27 |
| Charlotte-Concord-Gastonia, NC-SC | 68 | neither | 116 | 2.6% | 23 |
| Denver-Aurora-Centennial, CO | 63 | neither | 106 | 3.8% | 19 |
| Las Vegas-Henderson-North Las Vegas, NV | 60 | neither | 190 | 0.5% | 37 |
| Tampa-St. Petersburg-Clearwater, FL | 59 | retail | 128 | 1.6% | 18 |
| Austin-Round Rock-San Marcos, TX | 54 | retail | 90 | 4.4% | 18 |
| Sacramento-Roseville-Folsom, CA | 53 | retail | 100 | 1.5% | 27 |
| Portland-Vancouver-Hillsboro, OR-WA | 48 | retail | 63 | 4.8% | 23 |
| San Jose-Sunnyvale-Santa Clara, CA | 47 | neither | 100 | 1.0% | 33 |
| Orlando-Kissimmee-Sanford, FL | 47 | retail | 103 | 6.0% | 26 |
| Baltimore-Columbia-Towson, MD | 45 | retail | 86 | 1.2% | 14 |
| Richmond, VA | 39 | retail only read | 58 | 2.0% | 10 |
| Jacksonville, FL | 39 | neither | 55 | 3.6% | 13 |
| San Antonio-New Braunfels, TX | 37 | retail | 72 | 4.1% | 14 |
| Raleigh-Cary, NC | 32 | neither | 42 | 0.0% | 8 |
| Salt Lake City-Murray, UT | 29 | neither | 46 | 2.2% | 13 |
| Virginia Beach-Chesapeake-Norfolk, VA-NC | 29 | retail only read | 80 | 2.5% | 12 |
| Tucson, AZ | 24 | retail & office | 62 | 1.6% | 7 |
| Oxnard-Thousand Oaks-Ventura, CA | 23 | retail | 45 | 0.0% | 12 |
| Birmingham, AL | 23 | retail | 43 | 7.3% | 6 |
| Allentown-Bethlehem-Easton, PA-NJ | 23 | retail | 33 | 0.0% | 12 |
| North Port-Bradenton-Sarasota, FL | 22 | neither | 22 | 0.0% | 3 |
| Albuquerque, NM | 21 | retail | 34 | 3.0% | 7 |
| Greenville-Anderson-Greer, SC | 21 | neither | 31 | 3.7% | 5 |
| Charleston-North Charleston, SC | 20 | neither | 32 | 0.0% | 2 |
| Cape Coral-Fort Myers, FL | 20 | neither | 26 | 0.0% | 4 |
| Bridgeport-Stamford-Danbury, CT | 18 | retail & office | 34 | 2.9% | 11 |
| Greensboro-High Point, NC | 18 | retail | 33 | 3.0% | 5 |
| Reno, NV | 17 | neither | 37 | 0.0% | 5 |
| Omaha, NE-IA | 17 | retail & office | 18 | 0.2% | 4 |
| Winston-Salem, NC | 16 | office | 25 | 4.0% | 4 |
| Deltona-Daytona Beach-Ormond Beach, FL | 16 | neither | 30 | 0.0% | 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 16 | neither | 75 | 0.1% | 16 |
| Des Moines-West Des Moines, IA | 15 | neither | 18 | 0.0% | 2 |
| Boise City, ID | 15 | neither | 27 | 0.0% | 3 |
| Columbia, SC | 15 | retail | 32 | 0.0% | 9 |
| Salinas, CA | 15 | office | 12 | 0.0% | 1 |
| Chicago-Naperville-Elgin, IL-IN | 14 | retail & office | 407 | 7.9% | 80 |
| Fresno, CA | 14 | neither | 22 | 6.8% | 0 |
| Durham-Chapel Hill, NC | 14 | neither | 26 | 11.4% | 4 |
| Palm Bay-Melbourne-Titusville, FL | 13 | neither | 25 | 0.0% | 7 |
| New Haven, CT | 12 | retail only read | 19 | 10.3% | 3 |
| Port St. Lucie, FL | 12 | neither | 13 | 0.0% | 1 |
| Lakeland-Winter Haven, FL | 12 | neither | 29 | 3.4% | 5 |
| Ogden, UT | 12 | office | 14 | 0.0% | 0 |
| Santa Rosa-Petaluma, CA | 11 | neither | 31 | 3.2% | 6 |
| Anchorage, AK | 11 | retail | 22 | 0.0% | 3 |
| Augusta-Richmond County, GA-SC | 11 | neither | 29 | 0.0% | 4 |
| Stockton-Lodi, CA | 11 | neither | 21 | 0.0% | 2 |
| Bakersfield-Delano, CA | 11 | retail | 14 | 3.1% | 1 |
| Colorado Springs, CO | 11 | neither | 32 | 0.0% | 7 |
| Naples-Marco Island, FL | 11 | neither | 8 | 0.0% | 0 |
| Provo-Orem-Lehi, UT | 11 | neither | 15 | 0.0% | 5 |
| Milwaukee-Waukesha, WI | 11 | retail | 91 | 0.0% | 11 |
| El Paso, TX | 10 | retail only read | 21 | 0.0% | 3 |
| Waterbury-Shelton, CT | 10 | retail | 15 | 0.0% | 3 |
| Savannah, GA | 10 | office only read | 31 | 0.0% | 7 |
| Sioux Falls, SD-MN | 9 | retail only read | 8 | 0.0% | 1 |
| Trenton-Princeton, NJ | 9 | neither | 25 | 0.0% | 7 |
| Santa Maria-Santa Barbara, CA | 9 | office | 22 | 0.0% | 3 |
| Modesto, CA | 9 | neither | 18 | 0.0% | 4 |
| Asheville, NC | 9 | office | 23 | 0.0% | 0 |
| Scranton--Wilkes-Barre, PA | 9 | retail | 8 | 12.7% | 1 |
| Boulder, CO | 8 | neither | 12 | 0.0% | 2 |
| Wilmington, NC | 8 | neither | 10 | 0.0% | 1 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 8 | retail only read | 14 | 0.0% | 3 |
| Lynchburg, VA | 8 | neither | 15 | 0.0% | 2 |
| Duluth, MN-WI | 8 | retail | 1 | 0.0% | 0 |
| Columbus, GA-AL | 8 | neither | 11 | 27.9% | 0 |
| Lancaster, PA | 8 | retail | 15 | 0.0% | 1 |
| Brownsville-Harlingen, TX | 8 | office only read | 16 | 1.0% | 2 |
| Corpus Christi, TX | 8 | retail | 18 | 0.0% | 5 |
| Vallejo, CA | 7 | neither | 19 | 0.0% | 0 |
| Fort Collins-Loveland, CO | 7 | neither | 13 | 0.0% | 3 |
| Reading, PA | 7 | neither | 13 | 0.0% | 2 |
| Lincoln, NE | 7 | neither | 6 | 0.8% | 1 |
| Davenport-Moline-Rock Island, IA-IL | 7 | neither | 9 | 0.0% | 4 |
| Harrisburg-Carlisle, PA | 7 | retail | 27 | 0.0% | 2 |
| McAllen-Edinburg-Mission, TX | 7 | neither | 16 | 0.0% | 2 |
| Greeley, CO | 7 | neither | 7 | 14.2% | 0 |
| Hartford-West Hartford-East Hartford, CT | 7 | retail & office | 36 | 0.0% | 5 |
| Mobile, AL | 7 | office | 14 | 0.0% | 1 |
| Memphis, TN-MS-AR | 7 | retail only read | 56 | 7.2% | 12 |
| Santa Cruz-Watsonville, CA | 6 | office | 7 | 0.0% | 1 |
| Roanoke, VA | 6 | retail only read | 15 | 0.0% | 0 |
| College Station-Bryan, TX | 6 | neither | 8 | 13.8% | 1 |
| Prescott Valley-Prescott, AZ | 6 | office only read | 10 | 0.0% | 0 |
| Ocala, FL | 6 | neither | 15 | 6.7% | 0 |
| Punta Gorda, FL | 6 | office only read | 8 | 0.0% | 1 |
| Hickory-Lenoir-Morganton, NC | 6 | retail | 9 | 1.7% | 1 |
| Lubbock, TX | 6 | retail only read | 28 | 14.2% | 5 |
| Atlantic City-Hammonton, NJ | 6 | retail only read | 13 | 7.9% | 3 |
| Bend, OR | 6 | neither | 5 | 0.0% | 2 |
| Beaumont-Port Arthur, TX | 6 | neither | 11 | 0.0% | 3 |
| Gainesville, FL | 5 | neither | 11 | 0.0% | 5 |
| Santa Fe, NM | 5 | retail & office | 10 | 21.1% | 1 |
| Lake Havasu City-Kingman, AZ | 5 | neither | 5 | 0.0% | 0 |
| San Luis Obispo-Paso Robles, CA | 5 | office | 14 | 0.0% | 0 |
| Visalia, CA | 5 | neither | 10 | 0.0% | 2 |
| Hilton Head Island-Bluffton-Port Royal, SC | 5 | neither | 10 | 0.0% | 3 |
| Salem, OR | 5 | neither | 10 | 0.0% | 3 |
| Gainesville, GA | 5 | office only read | 4 | 0.0% | 0 |
| Sebastian-Vero Beach-West Vero Corridor, FL | 5 | neither | 10 | 0.0% | 0 |
| Montgomery, AL | 5 | retail only read | 14 | 0.0% | 0 |
| Las Cruces, NM | 5 | neither | 2 | 1.9% | 1 |
| Florence, SC | 5 | office | 3 | 0.0% | 0 |
| Fargo, ND-MN | 5 | neither | 5 | 0.9% | 1 |
| Kansas City, MO-KS | 5 | retail only read | 90 | 2.2% | 27 |
| Cedar Rapids, IA | 5 | office | 3 | 0.0% | 1 |
| York-Hanover, PA | 5 | neither | 12 | 0.0% | 2 |
| St. George, UT | 5 | neither | 2 | 0.0% | 0 |
| Burlington, NC | 5 | office only read | 6 | 0.0% | 0 |
| Pensacola-Ferry Pass-Brent, FL | 5 | neither | 19 | 0.0% | 3 |
| Daphne-Fairhope-Foley, AL | 5 | neither | 9 | 0.0% | 1 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | neither | 17 | 5.7% | 2 |
| Spokane-Spokane Valley, WA | 4 | neither | 15 | 0.0% | 1 |
| Billings, MT | 4 | neither | 3 | 33.3% | 1 |
| Rochester, MN | 4 | retail only read | 6 | 0.0% | 1 |
| Charlottesville, VA | 4 | neither | 6 | 0.0% | 0 |
| Chico, CA | 4 | neither | 5 | 19.3% | 2 |
| Midland, TX | 4 | neither | 7 | 14.1% | 3 |
| Tallahassee, FL | 4 | neither | 17 | 0.0% | 6 |
| Napa, CA | 4 | neither | 4 | 0.0% | 1 |
| Yuma, AZ | 4 | office only read | 12 | 0.4% | 2 |
| Huntsville, AL | 4 | office only read | 26 | 3.8% | 7 |
| Madison, WI | 4 | neither | 7 | 0.0% | 2 |
| Coeur d'Alene, ID | 4 | neither | 10 | 0.0% | 0 |
| Eugene-Springfield, OR | 4 | neither | 5 | 0.0% | 1 |
| Rapid City, SD | 4 | neither | 2 | 0.0% | 0 |
| Medford, OR | 4 | neither | 3 | 0.0% | 1 |
| Fayetteville, NC | 4 | office only read | 18 | 5.4% | 5 |
| Spartanburg, SC | 4 | neither | 15 | 0.0% | 4 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 4 | retail | 19 | 0.0% | 6 |
| Panama City-Panama City Beach, FL | 4 | neither | 5 | 0.0% | 1 |
| Bremerton-Silverdale-Port Orchard, WA | 4 | neither | 5 | 0.0% | 1 |
| Dothan, AL | 4 | office | 8 | 0.0% | 0 |
| Amarillo, TX | 4 | retail only read | 12 | 0.0% | 2 |
| Lebanon, PA | 4 | neither | 3 | 0.0% | 0 |
| Laredo, TX | 4 | office only read | 13 | 7.9% | 1 |
| Green Bay, WI | 4 | office | 10 | 0.0% | 0 |
| Gulfport-Biloxi, MS | 4 | office only read | 10 | 0.0% | 3 |
| Grand Junction, CO | 3 | office only read | 7 | 0.0% | 0 |
| St. Cloud, MN | 3 | office | 3 | 0.0% | 0 |
| Bismarck, ND | 3 | neither | 0 | 0.0% | 0 |
| El Centro, CA | 3 | neither | 7 | 0.0% | 1 |
| Dalton, GA | 3 | office only read | 2 | 0.0% | 1 |
| Victoria, TX | 3 | office only read | 3 | 0.0% | 1 |
| Flagstaff, AZ | 3 | retail | 4 | 0.0% | 0 |
| Sierra Vista-Douglas, AZ | 3 | office only read | 5 | 0.0% | 1 |
| Winchester, VA-WV | 3 | office only read | 1 | 0.0% | 0 |
| Idaho Falls, ID | 3 | office | 3 | 0.0% | 0 |
| Merced, CA | 3 | neither | 7 | 0.0% | 1 |
| Greenville, NC | 3 | office only read | 2 | 0.0% | 0 |
| Fairbanks-College, AK | 3 | office only read | 1 | 0.0% | 0 |
| San Angelo, TX | 3 | office | 4 | 0.0% | 0 |
| Harrisonburg, VA | 3 | office only read | 5 | 0.0% | 0 |
| Sioux City, IA-NE-SD | 3 | office | 3 | 0.0% | 1 |
| Casper, WY | 3 | office only read | 2 | 0.0% | 0 |
| Waco, TX | 3 | retail only read | 10 | 0.0% | 0 |
| Olympia-Lacey-Tumwater, WA | 3 | office only read | 13 | 7.9% | 5 |
| Farmington, NM | 3 | office only read | 2 | 0.0% | 0 |
| Wildwood-The Villages, FL | 3 | office only read | 1 | 0.0% | 0 |
| Twin Falls, ID | 3 | office only read | 2 | 0.0% | 0 |
| Anniston-Oxford, AL | 3 | office only read | 5 | 0.0% | 2 |
| Auburn-Opelika, AL | 3 | neither | 5 | 0.0% | 1 |
| Jackson, MS | 3 | retail | 24 | 20.9% | 4 |
| Tuscaloosa, AL | 3 | retail only read | 3 | 0.0% | 1 |
| Blacksburg-Christiansburg-Radford, VA | 2 | neither | 3 | 0.0% | 2 |
| Mankato, MN | 2 | neither | 0 | 0.0% | 0 |
| Texarkana, TX-AR | 2 | office only read | 3 | 0.0% | 0 |
| Yuba City, CA | 2 | neither | 3 | 0.0% | 0 |
| Sebring, FL | 2 | office | 4 | 0.0% | 0 |
| Carson City, NV | 2 | neither | 5 | 0.0% | 0 |
| Bozeman, MT | 2 | office only read | 4 | 0.0% | 0 |
| Redding, CA | 2 | neither | 4 | 0.0% | 2 |
| Athens-Clarke County, GA | 2 | retail only read | 6 | 0.0% | 1 |
| Pueblo, CO | 2 | office | 5 | 0.0% | 0 |
| Missoula, MT | 2 | office only read | 3 | 0.0% | 1 |
| Wichita Falls, TX | 2 | neither | 6 | 0.0% | 1 |
| Bellingham, WA | 2 | neither | 4 | 0.0% | 0 |
| Hanford-Corcoran, CA | 2 | neither | 3 | 0.0% | 0 |
| Logan, UT-ID | 2 | neither | 1 | 12.5% | 0 |
| Wenatchee-East Wenatchee, WA | 2 | office | 0 | 0.0% | 0 |
| Wichita, KS | 2 | retail | 11 | 2.2% | 3 |
| Cheyenne, WY | 2 | neither | 3 | 1.5% | 0 |
| Kingsport-Bristol, TN-VA | 2 | retail | 4 | 0.0% | 0 |
| Great Falls, MT | 2 | neither | 1 | 0.0% | 0 |
| Odessa, TX | 2 | neither | 8 | 11.8% | 3 |
| Helena, MT | 2 | neither | 2 | 0.0% | 0 |
| Corvallis, OR | 2 | office | — | — | 0 |
| Sheboygan, WI | 2 | neither | 4 | 0.0% | 1 |
| Warner Robins, GA | 2 | neither | 14 | 1.2% | 1 |
| Mount Vernon-Anacortes, WA | 2 | neither | 4 | 0.0% | 0 |
| Goldsboro, NC | 2 | neither | 2 | 0.0% | 1 |
| Eau Claire, WI | 2 | office | 0 | 0.0% | 0 |
| Pinehurst-Southern Pines, NC | 2 | office only read | 2 | 0.0% | 0 |
| Sumter, SC | 2 | office only read | 1 | 0.0% | 1 |
| Waterloo-Cedar Falls, IA | 2 | neither | 3 | 0.0% | 0 |
| Macon-Bibb County, GA | 2 | retail only read | 8 | 12.5% | 1 |
| Yakima, WA | 2 | neither | 5 | 0.0% | 0 |
| Rocky Mount, NC | 2 | neither | 1 | 0.0% | 1 |
| Iowa City, IA | 2 | office | 2 | 0.0% | 0 |
| Pocatello, ID | 2 | neither | — | — | 0 |
| Grand Island, NE | 2 | office | — | — | 0 |
| Appleton, WI | 2 | office | 5 | 0.0% | 0 |
| Homosassa Springs, FL | 2 | office only read | 6 | 0.0% | 0 |
| Gadsden, AL | 2 | neither | 1 | 0.0% | 0 |
| Jacksonville, NC | 2 | office only read | 7 | 14.2% | 0 |
| Racine-Mount Pleasant, WI | 2 | office | 3 | 0.0% | 0 |
| Kingston, NY | 1 | neither | 5 | 0.0% | 0 |
| Ames, IA | 1 | retail only read | 1 | 0.0% | 0 |
| Minot, ND | 1 | office only read | 2 | 0.0% | 0 |
| Rome, GA | 1 | no reading | 5 | 0.0% | 0 |
| Grants Pass, OR | 1 | neither | — | — | 0 |
| La Crosse-Onalaska, WI-MN | 1 | neither | 6 | 0.0% | 0 |
| Decatur, AL | 1 | neither | 2 | 0.0% | 0 |
| Grand Forks, ND-MN | 1 | neither | 2 | 0.0% | 0 |
| Albany, OR | 1 | neither | 2 | 0.0% | 0 |
| Dover, DE | 1 | neither | 3 | 0.0% | 1 |
| Killeen-Temple, TX | 1 | office only read | 14 | 0.0% | 2 |
| Chattanooga, TN-GA | 1 | neither | 27 | 0.0% | 5 |
| Staunton-Stuarts Draft, VA | 1 | neither | 0 | 38.5% | 0 |
| Kennewick-Richland, WA | 1 | neither | 4 | 0.0% | 1 |
| Hattiesburg, MS | 1 | office only read | 3 | 0.0% | 0 |
| Lewiston, ID-WA | 1 | neither | — | — | 0 |
| Florence-Muscle Shoals, AL | 1 | office | 2 | 0.0% | 0 |
| Hinesville, GA | 1 | office only read | 4 | 0.0% | 0 |
| Brunswick-St. Simons, GA | 1 | neither | 9 | 0.0% | 1 |
| Oshkosh-Neenah, WI | 1 | retail | 4 | 0.0% | 0 |
| Fond du Lac, WI | 1 | neither | 0 | 0.0% | 0 |
| Boston-Cambridge-Newton, MA-NH | 1 | retail | 77 | 2.0% | 25 |
| Detroit-Warren-Dearborn, MI | 1 | retail | 288 | 2.5% | 77 |
| St. Louis, MO-IL | 1 | retail & office | 97 | 3.6% | 18 |
348 of the bank's 4214 branches (8%) sit outside every metro the tape reads; nothing is printed for them.
Peers · the same asset band, nationally and in Los Angeles-Long Beach-Anaheim, CA
Every cohort is inside an asset band (over $100bn), because size moves the concentration ratios more than anything else does. A position is an interval —
the share of the cohort below this bank and the share at or below it differ by the tie — and below 10 banks nothing is ranked.
over $100bn, nationally
32 banks
Investor CRE / capital
62–66th pct
20 below · 1 at the same value · 11 above
Construction / capital
53–56th pct
17 below · 1 at the same value · 14 above
over $100bn, in Los Angeles-Long Beach-Anaheim, CA
10 banks
Investor CRE / capital
70–80th pct
7 below · 1 at the same value · 2 above
Construction / capital
50–60th pct
5 below · 1 at the same value · 4 above
banks with a branch in this metro, from the 2025 Summary of Deposits. This metro holds 256 of the bank's 4214 branches (6%), and 348 are outside any metro area; the bank operates in 246 metros.
Of the 32 banks in the over $100bn band nationally, over each line:
Construction at or above 100% of capital — criterion 1 — 0 of 32 (0.0%); CRE at or above 300% of capital — 0 of 32 (0.0%); ... and the book grew 50% or more in 36 months — criterion 2 — 0 of 32 (0.0%); Over either criterion — 0 of 32 (0.0%); Total risk-based capital below 10% (risk-based filers) — 0 of 32 (0.0%); Tier 1 risk-based capital below 8% (risk-based filers) — 0 of 32 (0.0%); Tier 1 leverage below 5% (risk-based filers) — 0 of 32 (0.0%); Below a well-capitalized line, on the filer's own basis — 0 of 32 (0.0%); Brokered deposits at or above 10% of assets — 7 of 32 (21.9%).
What moves faster than the Call Report
Forward transfer-risk watch
2,353 loans
$59,527mn in this bank's metros scored High or Elevated for transfer to special servicing within two quarters, not yet transferred. The loans are the door.door
In special servicing, with commentary
330 loans
the servicer's own filed narrative, loan by loan. The narratives are the door.door
WARN notices, 90 days
654 notices
181,872 jobs, in this bank's metros, under review. The employers and addresses are the door.door
The four bank lenses
Franchise · Strain · Mark · Consolidation
every bank against every line, the franchise gradient, the mark on the book, the consolidation clock — this bank placed on each.door
Watch dossier
none
no watch dossier has been written for this bank; the absence is a fact about the watchlist, not about the bank.
Boundaries
- The Call Report carries no collateral geography. The footprint is where the branches are (FDIC Summary of Deposits, 30 June 2025), not where the loans are.
- The regulator's lines are absolute (SR 06-26, 12 CFR 324.403, 12 CFR 327.16) and read on the 2026Q2 Call Report; the 36-month growth is from the tape's own quarter, 2023Q2.
- Owner-occupied commercial real estate is excluded from criterion 2, as SR 06-26 excludes it.
- The Hotspots cell is a relative cut — the top quartile of the 294 metros with both readings on each lens (snapshot 2026-09-15) — not a line of any regulator's.
- A capital ratio is read on the filer's own basis (risk-based); a CBLR filer reports no risk-based ratio and none is inferred.
- This page is rebuilt nightly from stored filings; generated 2026-09-16. Banks under the Call Report tape's $100mn floor have no page.
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