# EDGAR Filing Document

**Accession Number:** 0002134743
**File Stem:** 0001539497-26-001725
**Filing Date:** 2026-6
**Character Count:** 22050
**Document Hash:** a56d17837920c735a3ddb75931f625d9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001539497-26-001725.hdr.sgml**: 20260611

**ACCESSION NUMBER**: 0001539497-26-001725

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 3

**CONFORMED PERIOD OF REPORT**: 20260611

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260611

**DATE AS OF CHANGE**: 20260611

**ABS ASSET CLASS**: Commercial mortgages

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** BANK5 2026-5YR22
- **CENTRAL INDEX KEY:** 0002134743
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **STATE OF INCORPORATION:** NC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-282099-14
- **FILM NUMBER:** 261082629

**BUSINESS ADDRESS:**
- **STREET 1:** 301 SOUTH COLLEGE STREET
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28228-0166
- **BUSINESS PHONE:** 7043832556

**MAIL ADDRESS:**
- **STREET 1:** 301 SOUTH COLLEGE STREET
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28228-0166

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON, DC 20549**

**FORM 8-K**

**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the**

**Securities Exchange Act of 1934**

Date of report (Date of earliest event reported): June 11, 2026

Central Index Key Number of the issuing entity: 0002134743

<u>BANK5 2026-5YR22</u>

(Exact name of Issuing Entity)

Central Index Key Number of the depositor: 0000850779

<u>Wells Fargo Commercial Mortgage Securities, Inc.</u>

(Exact Name of Registrant as Specified in its Charter)

Central Index Key Number of the sponsor: 0000740906

<u>Wells Fargo Bank, National Association</u>

Central Index Key Number of the sponsor: 0001102113

<u>Bank of America, National Association</u>

Central Index Key Number of the sponsor: 0001541557

<u>Morgan Stanley Mortgage Capital Holdings LLC</u>

Central Index Key Number of the sponsor: 0000835271

<u>JPMorgan Chase Bank, National Association</u>

(Exact Names of the Sponsors as Specified in their Charters)

<u>North Carolina</u> <u>333-282099-14</u> <u>56-1643598</u> <br> (State or Other Jurisdiction of<br> Incorporation) (Commission File Number) (I.R.S. Employer Identification No.)

<u>301 South College Street, Charlotte, North Carolina</u> <u>28202</u> <br> (Address of Principal Executive Offices) (ZIP Code)

Registrant's telephone number, including area code <u>(704) 374-6161</u>

<u>Not applicable</u>

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any following provisions:

[ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

**Item 8.01. Other Events.**

On June 11, 2026, Wells Fargo Commercial Mortgage Securities, Inc. (the "<u>Registrant</u>") caused the issuance of the BANK5 2026-5YR22 Commercial Mortgage Pass-Through Certificates, Series 2026-5YR22 (the "<u>Certificates</u>"), pursuant to a Pooling and Servicing Agreement, dated and effective as of June 1, 2026 (the "<u>Pooling and Servicing Agreement</u>"), between the Registrant, as depositor, Trimont LLC, as master servicer, KeyBank National Association, as special servicer, Computershare Trust Company, National Association, as certificate administrator, Deutsche Bank National Trust Company, as trustee, and BellOak, LLC, as operating advisor and as asset representations reviewer. Capitalized terms used but not defined herein shall have the meanings assigned to them in the Pooling and Servicing Agreement.

The Certificates consist of the following classes (each, a "<u>Class</u>"), designated as (i) the Class A-1,<br> Class A-2, Class A-3, Class X-A, Class X-B, Class A-S, Class B and Class C Certificates (collectively, the "<u>Publicly Offered Certificates</u>") and (ii) the Class X-D, Class X-E, Class X-F, Class D, Class E, Class F, Class G-RR, Class H-RR and Class R Certificates (collectively, the "<u>Privately Offered Certificates</u>").

The Registrant sold all of the Publicly Offered Certificates, having an aggregate certificate balance of $735,845,000, to Wells Fargo Securities, LLC ("<u>WFS</u>"), BofA Securities, Inc. ("<u>BofA Securities</u>"), Morgan Stanley & Co. LLC ("<u>MS&Co.</u>"), J.P. Morgan Securities LLC ("<u>JPMS</u>"), Academy Securities, Inc. ("<u>Academy</u>"), Drexel Hamilton, LLC ("<u>Drexel</u>"), Siebert Williams Shank & Co., LLC ("<u>Siebert Williams</u>" and, together with WFS, BofA Securities, MS&Co., JPMS, Academy and Drexel, in such capacity, the "<u>Underwriters</u>"), pursuant to an Underwriting Agreement, dated as of May 21, 2026 (the "<u>Underwriting Agreement</u>"), between the Registrant, Wells Fargo Bank, National Association ("<u>WFB</u>") and the Underwriters. The Publicly Offered Certificates were offered by the Underwriters for sale to the public, pursuant to the Registrant's Preliminary Prospectus, dated May 15, 2026, and by the Prospectus, dated May 26, 2026 (the "<u>Prospectus</u>"), in negotiated transactions or otherwise, at varying prices determined at the time of sale.

In connection with the issuance and sale to the Underwriters of the Publicly Offered Certificates, a legal opinion was rendered related to the validity of, and certain federal income tax considerations relating to, the Publicly Offered Certificates, which legal opinion is attached hereto as Exhibits 5.1, 8.1 and 23.1.

The Registrant sold all of the Privately Offered Certificates, having an aggregate certificate balance of $96,794,742, to WFS, BofA Securities, MS&Co., JPMS, Academy, Drexel and Siebert Williams (collectively in such capacity, the "<u>Initial Purchasers</u>") pursuant to a Certificate Purchase Agreement, dated as of May 21, 2026, between the Registrant, WFB and the Initial Purchasers. The Registrant transferred the VRR Interest to WFB, Bank of America, National Association ("<u>BANA</u>"), Morgan Stanley Bank, N.A. ("<u>MSBNA</u>") and JPMorgan Chase Bank, National Association ("<u>JPMCB</u>") (in such capacity, the "<u>VRR Retaining Parties</u>"), pursuant to a VRR Interest Transfer Agreement, dated as of May 26, 2026, between the Registrant and the VRR Retaining Parties. The Privately Offered Certificates and the VRR Interest were sold and transferred, as applicable, in transactions exempt from registration under the Securities Act of 1933, as amended.

The net proceeds of the offering to the Registrant of the issuance of the Publicly Offered Certificates, after deducting expenses payable by the Registrant of $6,613,635, were approximately $765,065,227. Of the expenses paid by the Registrant, approximately $0 was paid directly to affiliates of the Registrant, $818,123 in the form of fees were paid to the Underwriters, $513,648 were paid to or for the Underwriters and $5,281,865 were other expenses. All of the foregoing expense amounts are the Registrant's reasonable estimates of such expenses. No underwriting discounts and commissions or finder's fees were paid by the Registrant; the Publicly Offered Certificates were offered by the Underwriters for sale to the public in negotiated transactions or otherwise at varying prices determined at the time of sale. Further information regarding such sales (including, as to the price per class of Publicly Offered Certificates) is available in the Underwriting Agreement attached as Exhibit 1.1 to the Registrant's Form 8-K filed on May 26, 2026 and in the Prospectus referred to above. The related registration statement (file no. 333-282099) was originally declared effective on December 2, 2024.

<u>Credit Risk Retention</u>

JPMCB, in its capacity as "retaining sponsor", is satisfying its credit risk retention obligation under Regulation RR (12 C.F.R. Part 43) promulgated under Section 15G of the Securities Exchange Act of 1934, as amended ("<u>Regulation RR</u>") in connection with securitization of the Mortgage Loans referred to above by:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) the acquisition on the Closing Date and holding of an "eligible vertical interest" (as defined
in Regulation RR) in the Issuing Entity, with an aggregate initial principal balance of approximately $19,601,549.72, comprised of the
VRR Interest, by the VRR Retaining Parties (in the case of JPMCB, as "retaining sponsor" under Regulation RR, and in the case
of each of WFB, MSBNA and BANA as an "originator" under Regulation RR), and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) the purchase on the Closing Date and holding of an "eligible horizontal residual interest"
(as defined in Regulation RR) in the Issuing Entity, with an aggregate initial principal balance of approximately $50,999,742, comprised
of the Class G-RR and Class H-RR Certificates (the " <u>HRR Interest</u> "), by CMBS 4 Sub 16, LLC (75%) and TH Holdco 1 (Cayman),
L.P. (25%), each acting as a "third-party purchaser" (as defined in Regulation RR).

The VRR Interest represents at least 2.30% of the sum of the initial certificate balance of all of the Certificates and the VRR Interest as of the Closing Date. The VRR Interest will entitle the holder thereof to a specified percentage of the amounts paid on each other class of ABS interests in the Issuing Entity. The fair value of the HRR Interest is equal to approximately $23,437,440, representing approximately 2.75% of the aggregate fair value of all ABS interests issued by the Issuing Entity (the "<u>ABS Interests</u>"). The aggregate fair value of all ABS Interests is approximately $853,820,575. The fair values referenced in the preceding two sentences are based on actual prices and final tranche sizes as of the Closing Date for all certificates (other than the Class R certificates) and the VRR Interest issued by the Issuing Entity.

The Retaining Sponsor estimates that, if it had relied solely on retaining an "eligible horizontal residual interest" in order to meet the credit risk retention requirements of Regulation RR with respect to this securitization transaction, it would have retained an eligible horizontal residual interest with an aggregate fair value dollar amount of approximately $42,691,029, representing 5.0% of the aggregate fair value, as of the Closing Date, of all ABS Interests.

There are no material differences between (a) the valuation methodology or any of the key inputs and assumptions that were used in calculating the fair value or range of fair values disclosed in the preliminary prospectus dated May 15, 2026 and filed with the Securities and Exchange Commission on May 15, 2026 under the heading "Credit Risk Retention" and (b) the valuation methodology or the key inputs and assumptions that were used in calculating the fair values set forth above.

<u>Retained Interests in This Securitization</u>

WFB, a sponsor of the securitization, will purchase the Class R certificates on the Closing Date. Information regarding other interest(s) in the securitization being retained by WFB and/or its affiliates is further described in the Prospectus, which was filed with the Securities and Exchange Commission on May 26, 2026.

**Item 9.01. Financial Statements and Exhibits.**

(d) Exhibits:

[5.1](exh5_1-opinion.htm) [Legality Opinion of Sidley Austin LLP, dated June 11, 2026.](exh5_1-opinion.htm)

[8.1](exh5_1-opinion.htm) [Tax Opinion of Sidley Austin LLP, dated June 11, 2026 (included as part of Exhibit 5.1).](exh5_1-opinion.htm)

[23.1](exh5_1-opinion.htm) [Consent of Sidley Austin LLP (included as part of Exhibit 5.1).](exh5_1-opinion.htm)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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|:---|:---|
| WELLS FARGO COMMERCIAL MORTGAGE <br> SECURITIES, INC. | WELLS FARGO COMMERCIAL MORTGAGE <br> SECURITIES, INC. |
| By: | /s/ Lee Green |
| Name: Lee Green | Name: Lee Green |
| Title: Managing Director | Title: Managing Director |

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Dated: June 11, 2026

<u>Exhibit Index</u>

<u>Exhibit No.</u> <u>Description</u>

[5.1](exh5_1-opinion.htm) [Legality Opinion of Sidley Austin LLP, dated June 11, 2026.](exh5_1-opinion.htm)

[8.1](exh5_1-opinion.htm) [Tax Opinion of Sidley Austin LLP, dated June 11, 2026 (included as part of Exhibit 5.1).](exh5_1-opinion.htm)

[23.1](exh5_1-opinion.htm) [Consent of Sidley Austin LLP (included as part of Exhibit 5.1).](exh5_1-opinion.htm)

## Exhibit 5.1

**Exhibit 5.1**

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|:---|:---|
| ![](n5888sidley_img001.jpg) | SIDLEY AUSTIN LLP<br> 787 SEVENTH AVENUE<br> NEW YORK, NY 10019<br> +1 212 839 5300<br> +1 212 839 5599 FAX<br>AMERICA ● ASIA PACIFIC ● EUROPE |

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June 11, 2026

Wells Fargo Commercial Mortgage Securities, Inc.<br> 30 Hudson Yards, 15th Floor

New York, New York 10001

Re: BANK5 2026-5YR22<br> <u>Commercial Mortgage Pass-Through Certificates, Series 2026-5YR22</u>

To the Addressee of this Letter:

We have acted as special counsel to Wells Fargo Commercial Mortgage Securities, Inc., a North Carolina corporation (the "<u>Depositor</u>"), in connection with the issuance of approximately $852,241,292 aggregate principal balance of BANK5 2026-5YR22 Commercial Mortgage Pass-Through Certificates, Series 2026-5YR22, Class A-1, Class A-2, Class A-3, Class X-A, Class X-B, Class A-S, Class B and Class C (collectively, the "<u>Registered Certificates</u>") and Class X-D, Class X-E, Class X-F, Class D, Class E, Class F, Class G-RR, Class H-RR and Class R, and the VRR Interest, pursuant to the Pooling and Servicing Agreement, dated as of June 1, 2026 (the "<u>Pooling and Servicing Agreement</u>"), between the Depositor, as depositor, Trimont LLC, as master servicer, KeyBank National Association, as special servicer, Computershare Trust Company, National Association, as certificate administrator, Deutsche Bank National Trust Company, as trustee, and BellOak, LLC, as operating advisor and as asset representations reviewer.

For purposes of rendering this opinion letter, we have reviewed:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) the Registration Statement on Form SF-3 (Registration No. 333-282099) relating to the Registered Certificates (the "<u>Registration Statement</u>"), filed with the Securities and Exchange Commission (the "<u>Commission</u>") under the Securities Act of 1933, as amended (the "<u>Act</u>"), on September 13, 2024;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) the Prospectus, dated May 26, 2026 (the "<u>Prospectus</u>"), relating to the Registered Certificates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) the Underwriting Agreement, dated as of May 21, 2026 (the "<u>Underwriting Agreement</u>"), between the Depositor, Wells Fargo Bank, National Association and Wells Fargo Securities, LLC, BofA Securities, Inc., Morgan Stanley & Co. LLC, J.P. Morgan Securities LLC, Academy Securities, Inc., Drexel Hamilton, LLC and Siebert Williams Shank & Co., LLC (collectively, the "<u>Underwriters</u>");

Sidley Austin (NY) LLP is a Delaware limited liability partnership doing business as Sidley Austin LLP and practicing in affiliation with other Sidley Austin partnerships.

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| ![](n5888sidley_img001.jpg) |
| Wells Fargo Commercial Mortgage Securities, Inc. <br> June 11, 2026 <br> Page 2 |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) evidence satisfactory to us with respect to the effectiveness of the Registration Statement under the Act; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) the forms of the Registered Certificates attached as exhibits to the Pooling and Servicing Agreement.

In connection with the foregoing, we have examined originals, or copies certified or otherwise identified to our satisfaction, of such documents, corporate records and other instruments as we deemed necessary for the purposes of this opinion letter. In our examination, we have assumed the following: (a) the genuineness of all signatures; (b) the legal capacity of natural persons; (c) the authenticity of all documents submitted to us as originals;(d) the conformity to authentic originals of all documents submitted to us as certified copies or by means of electronic transmission and the authenticity of the originals of such latter documents; (e) the conformity of the text of each document filed with the Commission through its Electronic Data Gathering, Analysis and Retrieval system to the printed documents reviewed by us; and (f) the truth, accuracy and completeness of the information, representations and warranties contained in the records, documents, instruments and certificates that we have reviewed. As to any facts material to the opinions expressed herein that were not known to us, we have relied upon certificates, statements and representations of officers and other representatives of the Depositor and others.

Our opinions set forth below are subject to: (1) general principles of equity, including concepts of materiality, reasonableness, good faith and fair dealing and the doctrine of estoppel; (2) the possible unavailability of specific performance and injunctive relief, regardless of whether considered in a proceeding in equity or at law; (3) the effect of certain laws, rules, regulations and judicial and other decisions upon enforceability; (4) bankruptcy, insolvency, bail-in, receivership, reorganization, liquidation, voidable preference, fraudulent conveyance and transfer, moratorium and other similar laws affecting the rights of creditors or secured parties generally, in each case, whether by operation of law, contract, judicial or regulatory action or otherwise, and the effect of, to the extent applicable, the rights of creditors or of secured creditors of national banks or of "financial companies" (as defined in Section 201 of the Dodd-Frank Wall Street Reform and Consumer Protection Act) or their affiliates; and (5) public policy considerations underlying the securities laws, to the extent that such public policy considerations limit the enforceability of any provision of any agreement that purports or is construed to provide indemnification and contribution with respect to securities law violations.

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| ![](n5888sidley_img001.jpg) |
| Wells Fargo Commercial Mortgage Securities, Inc. <br> June 11, 2026 <br> Page 3 |

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Based upon and subject to the foregoing, we are of the opinion that—

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. The Registered Certificates, when duly and validly executed and authenticated in accordance with the terms of the Pooling and Servicing Agreement, and when delivered and paid for by the Underwriters pursuant to the Underwriting Agreement, will be validly issued and outstanding, fully paid and non-assessable and entitled to the benefits provided by the Pooling and Servicing Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. The description set forth under the caption "Material Federal Income Tax Considerations" in the Prospectus, although it does not discuss all federal income tax consequences that may be applicable to the individual circumstances of particular investors (some of which may be subject to special treatment under the Internal Revenue Code of 1986, as amended), otherwise correctly describes, as of the date hereof, the material aspects of the federal income tax treatment of an investment in the Registered Certificates commonly applicable to investors that are U.S. Persons (as defined under the heading "Material Federal Income Tax Considerations—Taxation of Certain Foreign Investors" in the Prospectus) and, where expressly indicated therein, to investors that are not U.S. Persons. We also hereby confirm the opinion expressly set forth under such headings as our opinion.

We hereby consent to the filing of this opinion letter as an exhibit to the Registration Statement and to the discussion of our opinions set forth in this opinion letter under the headings "Legal Matters" and "Material Federal Income Tax Considerations" in the Prospectus. In giving such consent, we do not consider that we are "experts", within the meaning of the term as used in the Act or the rules and regulations of the Commission issued thereunder, with respect to any part of the Registration Statement, including this opinion letter as an exhibit or otherwise.

We express no opinion as to any laws other than the federal laws of the United States of America and the laws of the State of New York. We do not express any opinion, either implicitly or otherwise, on any issue not expressly addressed above. We express no opinion with respect to any Series of Certificates for which we do not act as counsel to the Depositor.

Very truly yours,

/s/ Sidley Austin LLP