This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Irving, TX
Health score
84.5
Total assets
$2.6B
Bank
Houston, TX
Health score
70.5
Total assets
$2.6B
Answer first
State Bank of Texas leads on financial health and profitability and growth; Wells Fargo Bank South Central, National Association leads on capitalization and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
State Bank of Texas
Higher TFS health score
Capitalization
Wells Fargo Bank South Central, National Association
Higher comparable capital ratio
Profitability
State Bank of Texas
Higher return on assets
Lending quality
Wells Fargo Bank South Central, National Association
Lower problem-loan measure
Growth
State Bank of Texas
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | State Bank of Texas | Wells Fargo Bank South Central, National Association |
|---|---|---|
| TFS health score | 84.5/100Leads | 70.5/100 |
| Total assets | $2.6B | $2.6B |
| Total deposits / shares | $2.1B | $1.7B |
| Tier 1 capital ratio | 15.71% | 29.69%Leads |
| Return on assets | 4.24%Leads | 1.62% |
| Return on equity | 27.93% |
State Bank of Texas
7 branches
Wells Fargo Bank South Central, National Association
1 branches
Both institutions report branches in 1 state: TX.
State Bank of Texas
Unavailable
Wells Fargo Bank South Central, National Association
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
State Bank of Texas
0 in TFS registry
Wells Fargo Bank South Central, National Association
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | State Bank of Texas score | State Bank of Texas ROA | Wells Fargo Bank South Central, National Association score | Wells Fargo Bank South Central, National Association ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 4.60% | — | 1.07% |
| 2024-Q4 | — | 4.00% | — | 1.15% |
| 2025-Q1 | — | 4.07% | — | 1.31% |
| 2025-Q2 | — | 4.05% | — | 1.49% |
| 2025-Q3 | — | 4.14% | — | 1.45% |
| 2025-Q4 | — | 3.98% | — | 1.48% |
| 2026-Q1 | 90.3/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 5.69% |
| Non-performing loans | 2.16% | 1.24%Leads |
| Net charge-offs | 0.00%Leads | 0.01% |
| Efficiency ratio | 21.41% | 14.50%Leads |
| Loan-to-deposit ratio | 96.80% | 102.12% |
| Asset growth (YoY) | -6.61%Leads | -26.52% |
| Deposit / share growth (YoY) | -6.78%Leads | -30.48% |
| Branches | 7 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 3.94% |
| 72.1/100 |
| 1.69% |
| 2026-Q2 | 84.5/100 | 4.24% | 70.5/100 | 1.62% |