Company: WFC-PC
Filing Date: 2025-10-31
Form Type: 10-Q
Source: 0000072971-25-000253
Chunk: 138

Company: WELLS FARGO & COMPANY/MN
Filing Date: 2025-10-31
Form: 10-Q
Item: Item 5
Chunk 138
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 103 66 76 — — 1,268 Total lease financing4,907 5,010 2,931 1,560 639 1,366 — — 16,413 Gross charge-offs3 17 14 10 5 3 — — 52 Total commercial loans$77,903 43,079 58,458 41,582 15,412 38,769 257,500 1,456 534,159 (1) Includes charge-offs on overdrafts, which are generally charged-off at 60 days past due. 

Wells Fargo & Company75

Note 5:  Loans and Related Allowance for Credit Losses (continued)

Table 5.8 provides days past due (DPD) information for commercial loans, which we monitor as part of our credit risk management practices; however, delinquency is not a primary credit quality indicator for commercial loans.Table 5.8:  Commercial Loan Categories by Delinquency StatusStill accruingNonaccrual loansTotalcommercial loans(in millions)Current-29 DPD30-89 DPD90+ DPDSeptember 30, 2025Commercial and industrial$416,158 558 138 1,050 417,904 Commercial real estate126,150 522 244 3,334 130,250 Lease financing15,051 185 — 75 15,311 Total commercial loans$557,359 1,265 382 4,459 563,465 December 31, 2024Commercial and industrial$379,147 794 537 763 381,241 Commercial real estate131,794 472 468 3,771 136,505 Lease financing16,156 173 — 84 16,413 Total commercial loans$527,097 1,439 1,005 4,618 534,159 CONSUMER CREDIT QUALITY INDICATORS.  We have various classes of consumer loans that present unique credit risks. Loan delinquency, Fair Isaac Corporation (FICO) credit scores and loan-to-value (LTV) for residential mortgage loans are the primary credit quality indicators that we monitor and utilize in our evaluation of the appropriateness of the ACL for the consumer loan portfolio segment.Many of our loss estimation techniques used for the ACL for loans rely on delinquency-based