HIGHBuilt-inRegulatory
Federal Reserve Board
“10-K Item 1: 'The Parent is subject to regulation under the BHC Act and to inspection, examination and supervision by its primary regulator, the Board of Governors of the Federal Reserve System'”
WFC · Concentration risk · 10-K extracted
Wells Fargo & (WFC) concentration risks
Updated
The most significant concentration Wells Fargo & discloses is Federal Reserve Board, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Wells Fargo &’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 2 disclosed concentrations
HIGH2
MEDIUM0
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inRegulatory
Office of the Comptroller of the Currency
“10-K Item 1: 'Our subsidiary national banks, and their subsidiaries, are subject to regulation and examination primarily by the Office of the Comptroller of the Currency (OCC)'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's disclosed concentration profile is regulatory in nature, reflecting the oversight structure applicable to a systemically important financial institution operating under multiple regulatory authorities. The parent holding company is subject to regulation and supervision by the Federal Reserve Board as its primary regulator — a high-share, structural regulatory concentration by disclosed size. The Federal Reserve's framework governs capital requirements, stress testing, dividend and buyback approvals, and the consent order structure that has constrained the company's balance sheet growth; adverse developments in regulatory posture or capital standards from this relationship carry enterprise-level implications. Separately, subsidiary national banks are subject to regulation and examination primarily by the Office of the Comptroller of the Currency — also a high-share, structural concentration. The OCC governs examination standards, permissible bank activities, and compliance requirements at the bank subsidiary level, which represents the majority of the operating franchise. Both regulatory concentrations are structural features of the charter elections and institutional scale rather than contractual dependencies that could be renegotiated. The two regulators operate with distinct but overlapping mandates, and an adverse finding or enhanced requirement from either can affect the company's capital allocation, product scope, and strategic flexibility. There is no disclosed customer, geographic, or supply-chain concentration in these filings. On balance, the dominant monitoring variables are the trajectory of the existing consent order and the capital and liquidity framework established by the Federal Reserve for the holding company.
For the engine’s reasoning on WFC’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Diversified
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| JPM | JP Morgan Chase & Co. | 2 | 0 | 0 | 2 |
| WFC● | Wells Fargo & Company | 2 | 0 | 0 | 2 |
| BAC | Bank of America Corporation | 0 | 0 | 0 | 0 |
| BK | The Bank of New York Mellon Cor | 0 | 0 | 0 | 0 |
| C | Citigroup, Inc. | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.