WFCWells Fargo
Wells Fargo & Company is a corporation organized under the laws of Delaware and a financial holding company and a bank holding company registered under the Bank Holding Company Act of 1956, as amended (BHC Act). 10-K, Item 1
- Headquarters
- San Francisco, CA
- Next results
- around Jan 13, 2027
Numbers that matter for banks, which general screens compare wrongly. Some come from the 10-K's XBRL. The rest are quoted from the company's own filings, because there is no standard tag for them: the sentence is the source.
Net interest margin
2.4% 10-Q filed 2026-10-28What the bank earns on loans and securities minus what it pays on deposits, as % of earning assets.
“Net interest income and net interest margin on a taxable-equivalent basis (2) $ 12,591 2.43% $ 12,025 2.61%”
Read it in the filing ↗
Efficiency ratio
65.5% fiscal year to Dec 31, 2025Non-interest expense as % of revenue. Lower is leaner.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 67.9% | 76.9% | 67.3% | 66.3% | 65.5% |
XBRL: NoninterestExpense, 0000072971-26-000133; InterestIncomeExpenseNet, 0000072971-26-000133; NoninterestIncome, 0000072971-26-000133
Loans to deposits
59.6% fiscal year to Dec 31, 2021How much of its deposits the bank has lent out.
| FY2021 |
|---|
| 59.6% |
XBRL: LoansAndLeasesReceivableNetReportedAmount, 0000072971-22-000174; Deposits, 0000072971-23-000071
Return on tangible common equity
15.3% fiscal year to Dec 31, 2025Net income over common equity without goodwill and intangibles (net income is before preferred dividends, so this runs a little high for banks with preferred stock).
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 15.5% | 10.1% | 13.6% | 14.6% | 15.3% |
XBRL: NetIncomeLoss, 0000072971-26-000133; StockholdersEquity, 0000072971-26-000327; PreferredStockValue, 0000072971-26-000327; Goodwill, 0000072971-26-000327
Net interest income
$47.5B fiscal year to Dec 31, 2025Interest earned minus interest paid.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| $35.8B | $45.0B | $52.4B | $47.7B | $47.5B |
XBRL: InterestIncomeExpenseNet, 0000072971-26-000133
Work on WFC in a spreadsheet:
Excel workbook (a sheet per section, ten years by column, charts, links to the filings) ·
CSV.
For a Google Sheet that stays up to date, paste =IMPORTDATA("https://tickdelta.com/company/WFC/export.csv") into a cell.