Data source: CET1 ratio sourced from FDIC Call Reports (bank-subsidiary level). Published figures from investor relations may differ by 1–2pp as those reflect the bank holding company level. For precise regulatory CET1 figures, refer to each bank's quarterly earnings release.
Wells Fargo
WFCCET1 Ratio
Common Equity Tier 1 / RWA
Risk-Weighted Assets
+3.26% QoQ growth
Total Loan Book
+8.5% YoY growth
Leverage Ratio
Tier 1 / Average assets
CET1 Ratio Trend
8 quarters · regulatory minimum 8% · scoring threshold 12%
RWA Growth
Bars = total ($B) · Line = QoQ growth %
Loan Book Composition
Latest quarter · 2025-Q4
Metric History
8 quarters · FDIC Call Report data
| Quarter | CET1 % | Leverage % | RWA | Loan Book | Loans YoY | RWA QoQ | CRE % | Consumer % | SME % | SRT Score |
|---|---|---|---|---|---|---|---|---|---|---|
| 2025-Q4latest | 12.81% | 8.69% | $1.18T | $939.3B | +8.5% | +3.26% | 38.5% | 12.4% | 19.7% | 22 |
| 2025-Q3 | 13.13% | 8.70% | $1.15T | $898.6B | +4.1% | +1.53% | 40.2% | 12.2% | 20.4% | — |
| 2025-Q2 | 13.25% | 8.93% | $1.13T | $880.7B | +1.0% | +1.03% | 41.4% | 11.9% | 20.9% | — |
| 2025-Q1 | 13.17% | 8.84% | $1.12T | $868.0B | — | +0.49% | 42.3% | 12.1% | 21.7% | — |
| 2024-Q4 | 13.08% | 8.72% | $1.11T | $865.3B | — | -0.90% | 42.9% | 12.5% | 21.0% | — |
| 2024-Q3 | 13.27% | 8.90% | $1.12T | $863.6B | — | -0.20% | 43.8% | 12.3% | 21.3% | — |
| 2024-Q2 | 12.93% | 8.68% | $1.13T | $872.0B | — | — | 44.1% | 12.4% | 21.2% | — |
| 2024-Q1 | 12.67% | 8.46% | $1.13T | $874.8B | — | — | 44.5% | 12.3% | 21.4% | — |
Score Breakdown
Live score · base 26 pts -4 macro adj
CET1 12.81% — above 12%, no pressure
-0.81pp above 8% regulatory floor
CET1 declining for 2+ consecutive quarters (13.25% → 13.13% → 12.81%)
Loan book grew 8.5% YoY
RWA grew 3.3% QoQ — rapid RWA expansion strains capital
Highest concentration: CRE at 38.5% — above 30% threshold
Bank has previously issued SRT transactions
18 months since last deal — recently active
Live macro signal: UNFAVORABLE (sentiment -10/20) — 3/10 pts
>$500B total assets — deep capital buffers reduce SRT urgency
Sentiment -10/20 · global -4 pts
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