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Wells Fargo &
Company is a diversified financial services company with operations around the
world. Wells Fargo is the fourth largest bank in the US by assets and the largest bank by market
capitalization. Wells Fargo is the second largest bank in deposits, home mortgage servicing, and debit
card. In 2007 it was the only bank in the United States to be rated AAA by S, though its rating has since been lowered to AA- in light of the financial crisis of
The firm's primary U.S. operating
subsidiary is national bank Wells Fargo Bank, N.A., which designates its main office as Sioux Falls, South
Dakota for legal purposes.
Wells Fargo in its present form is
a result of an acquisition of California-based Wells Fargo & Company by Minneapolis-based Norwest Corporation in 1998. Although Norwest was technically the surviving entity, the
new company renamed itself Wells Fargo, capitalizing on the 150-year history of the nationally-recognized name
and its trademark stagecoach. Following the acquisition, the company transferred its headquarters to Wells
Fargo's headquarters in San Francisco and merged its operating subsidiary with Wells Fargo's operating
subsidiary in Sioux Falls.
In 2010 Wells Fargo had 6,335
retail branches (called stores by Wells Fargo), 12,094 automated teller machines, 281,000 employees and over 70 million
customers. Wells Fargo operates stores and ATMs under Wells Fargo's and Wachovia's names.
Wells Fargo is one of
the Big Four banks of the United States
with Bank of America, Citigroup and JP Morgan Chase.