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): December 918, 2025

Central Index Key Number of the issuing entity: 0002096187

BANK5 2025-5YR18

(Exact name of Issuing Entity)

Central Index Key Number of the depositor: 0000850779

Wells Fargo Commercial Mortgage Securities, Inc.

(Exact Name of Registrant as Specified in its Charter)

Central Index Key Number of the sponsor: 0000740906

Wells Fargo Bank, National Association

Central Index Key Number of the sponsor: 0000835271

JPMorgan Chase Bank, National Association

Central Index Key Number of the sponsor: 0001541557

Morgan Stanley Mortgage Capital Holdings LLC
Central Index Key Number of the sponsor: 0001102113

Bank of America, National Association (Exact Names of the Sponsors as Specified in their Charters)

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

North Carolina	333-282099-08	56-1643598
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

301 South College Street, Charlotte, North Carolina		28202
(Address of Principal Executive Offices)		(ZIP Code)

Registrant’s telephone number, including area code (704) 374-6161

Not applicable

(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~~Section 81.~~01.~~ ~~Other~~Registrant’s ~~Events~~Business and Operations.

OnItem ~~December 9, 2025, Wells Fargo Commercial Mortgage Securities, Inc~~1.01. ~~(the~~Entry ~~“Registrant”)~~into ~~caused the issuance of the BANK5 2025-5YR18 Commercial Mortgage Pass-Through Certificates, Series 2025-5YR18 (the “Certificates”), pursuant to~~ a ~~Pooling~~Material ~~and~~Definitive ~~Servicing~~ Agreement, dated and effective as of December 1, 2025 (the “Pooling and Servicing Agreement”), between the Registrant, as depositor, Trimont LLC, as master servicer, K-Star Asset Management LLC, as special servicer, Computershare Trust Company, National Association, as certificate administrator, Deutsche Bank National Trust Company, as trustee, and Park Bridge Lender Services 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~~On ~~Certificates~~December ~~consist~~9, of2025, ~~the~~Wells ~~following~~Fargo ~~classes~~Commercial ~~(each~~Mortgage Securities, aInc. (the “~~Class~~Registrant”), ~~designated~~created asBANK5 2025-5YR18 (ithe “Issuing Entity”) and caused the ~~Class A-1, Class~~issuance ~~A-2,~~of ~~Class~~the ABANK5 2025-3,5YR18 ~~Class~~Commercial XMortgage Pass-AThrough Certificates, ~~Class~~Series X2025-B5YR18 (the “Certificates”), ~~Class~~pursuant ~~A-S~~to a Pooling and ~~Class~~Servicing BAgreement, ~~Certificates~~dated ~~(collectively~~and effective as of December 1, 2025 (the “~~Publicly~~Pooling ~~Offered~~and ~~Certificates~~Servicing Agreement”), ~~and~~between ~~(ii)~~ the ~~Class X-F~~Registrant, ~~Class~~as ~~X-G~~depositor, ~~Class~~Trimont ~~X-H~~LLC, ~~Class~~as ~~X-J~~master servicer, ~~Class~~K-Star C,Asset ~~Class~~Management ~~C-1~~LLC, ~~Class~~as ~~C-2~~special servicer, ~~Class~~Computershare ~~C-X1~~Trust Company, ~~Class~~National ~~C-X2~~Association, ~~Class~~as Dcertificate administrator, ~~Class~~Deutsche ~~D-1,~~Bank ~~Class~~National ~~D-2~~Trust Company, ~~Class~~as ~~D-X1~~trustee, ~~Class~~and ~~D-X2,~~Park ~~Class~~Bridge E,Lender ~~Class~~Services ~~E-1~~LLC, ~~Class~~as ~~E-2,~~operating ~~Class~~advisor ~~E-X1,~~and ~~Class~~as ~~E-X2,~~asset ~~Class~~representations F,reviewer. ~~Class~~Capitalized G,terms ~~Class~~used H,but ~~Class~~not Jdefined ~~and~~herein ~~Class~~shall Rhave ~~Certificates~~the ~~(collectively,~~meanings assigned to them in the ~~“Privately~~Pooling ~~Offered~~and ~~Certificates”)~~Servicing Agreement.

~~The~~Each ~~Registrant~~of ~~sold~~the ~~all~~Mortgage ofLoans ~~the~~identified ~~Publicly~~as ~~Offered~~“Mall ~~Certificates,~~at ~~having~~Bay anPlaza” ~~aggregate~~and ~~certificate~~“Capital ~~balance~~Storage ofPortfolio” ~~$571,531,000,~~on Exhibit B to ~~Wells~~the ~~Fargo~~Pooling ~~Securities,~~and ~~LLC~~Servicing Agreement (the “~~WFS”),~~Mall ~~J.P.~~at ~~Morgan~~Bay ~~Securities~~Plaza ~~LLC~~Mortgage ~~(“JPMS~~Loan”), ~~Morgan~~and ~~Stanley~~the &“Capital ~~Co.~~Storage ~~LLC~~Portfolio ~~(“MS&Co.~~Mortgage Loan,” respectively), ~~BofA~~which ~~Securities,~~are ~~Inc.~~assets ~~(“BofA~~of ~~Securities”),~~the ~~Academy~~Issuing ~~Securities~~Entity, ~~Inc.~~is ~~(“Academy”), Drexel~~part ~~Hamilton,~~of ~~LLC~~a whole loan (the “~~Drexel”),~~Mall ~~Siebert~~at ~~Williams~~Bay ~~Shank~~Plaza &Whole Loan” ~~Co.,~~and ~~LLC~~the (“~~Siebert~~Capital ~~Williams”~~Storage ~~and,~~Portfolio ~~together~~Whole ~~with WFS~~Loan,” ~~JPMS,~~respectively) ~~MS&Co.,~~that ~~BofA~~includes ~~Securities,~~such ~~Academy~~Mortgage Loan and ~~Drexel,~~other inpari ~~such~~passu ~~capacity~~loans, ~~the~~which ~~“Underwriters”),~~are ~~pursuant~~not toassets anof ~~Underwriting~~the ~~Agreement,~~Issuing ~~dated~~Entity. asThe ofPooling ~~November~~and ~~19,~~Servicing ~~2025~~Agreement ~~(the~~provides ~~“Underwriting~~that ~~Agreement”),~~each ~~between~~of the ~~Registrant,~~Mall ~~Wells~~at ~~Fargo~~Bay ~~Bank,~~Plaza ~~National~~Mortgage ~~Association~~Loan ~~(“WFB”)~~ and the ~~Underwriters.~~Capital ~~The Publicly~~Storage ~~Offered~~Portfolio ~~Certificates~~Mortgage ~~were~~Loan ~~offered~~is byto ~~the~~be ~~Underwriters~~serviced ~~for~~and ~~sale~~administered to(i) until the ~~public,~~securitization ~~pursuant~~of to the ~~Registrant’s~~applicable ~~Preliminary~~Servicing ~~Prospectus~~Shift Lead Note, ~~dated~~under ~~November~~the ~~13,~~Pooling ~~2025~~and Servicing Agreement, and (ii) from and byafter the ~~Prospectus,~~securitization ~~dated~~of ~~November~~the ~~20,~~applicable ~~2025~~Servicing ~~(the~~Shift ~~“Prospectus”)~~Lead Note, inunder ~~negotiated~~the ~~transactions~~pooling orand ~~otherwise,~~servicing atagreement ~~varying~~entered ~~prices~~into ~~determined~~in atconnection ~~the~~with ~~time~~that ofrelated ~~sale~~securitization.

InOn ~~connection~~December ~~with~~18, 2025, the ~~issuance~~Servicing Shift Lead Note in the Mall at Bay Plaza Whole Loan and ~~sale~~the Servicing Shift Lead Note in the Capital Storage Portfolio Whole Loan were securitized pursuant to the ~~Underwriters~~Wells Fargo Commercial Mortgage Trust 2025-5C7 securitization transaction. As of such date, each of the ~~Publicly~~Mall ~~Offered~~at ~~Certificates,~~Bay aPlaza ~~legal~~Mortgage ~~opinion~~Loan ~~was~~and ~~rendered~~the ~~related~~Capital toStorage Portfolio Mortgage Loan is being serviced and administered under the ~~validity~~Pooling and Servicing Agreement, dated as of December 1, 2025 (the “WFCM 2025-5C7 PSA”), between Wells Fargo Commercial Mortgage Securities, Inc., as depositor, Midland Loan Services, a Division of PNC Bank, National Association, as master servicer and ~~certain~~as ~~federal~~a ~~income~~special ~~tax~~servicer, ~~considerations~~CWCapital ~~relating~~Asset toManagement LLC, ~~the~~as ~~Publicly~~a ~~Offered~~special ~~Certificates~~servicer, ~~which~~KeyBank ~~legal~~National ~~opinion~~Association, as a special servicer, Computershare Trust Company, National Association, as certificate administrator and as trustee, and BellOak, LLC, as operating advisor and as asset representations reviewer. The WFCM 2025-5C7 PSA is attached hereto as ~~Exhibits~~Exhibit 599.1. Pursuant to the WFCM 2025-5C7 PSA, ~~8.1~~KeyBank National Association will initially act as the related Non-Serviced Special Servicer with respect to the Mall at Bay Plaza Mortgage Loan, and 23CWCapital Asset Management LLC will initially act as the related Non-Serviced Special Servicer with respect to the Capital Storage Portfolio Mortgage Loan.1.

The ~~Registrant~~terms ~~sold~~and ~~all~~conditions of the ~~Privately~~WFCM ~~Offered~~2025-5C7 ~~Certificates,~~PSA ~~having~~applicable anto ~~aggregate~~the ~~certificate~~servicing ~~balance~~ of ~~$102,841,969,~~the toMall ~~WFS,~~at ~~JPMS,~~Bay ~~MS&Co.,~~Plaza ~~BofA~~Mortgage ~~Securities,~~Loan ~~Academy, Drexel~~ and ~~Siebert~~the ~~Williams~~Capital ~~(collectively~~Storage inPortfolio ~~such~~Mortgage ~~capacity,~~Loan ~~the~~are ~~“Initial~~substantially ~~Purchasers”)~~similar ~~pursuant~~ to athe ~~Certificate~~terms ~~Purchase~~and ~~Agreement,~~conditions ~~dated as~~ of ~~November 19, 2025, between~~ the ~~Registrant,~~Pooling ~~WFB~~ and ~~the~~Servicing ~~Initial~~Agreement ~~Purchasers.~~applicable ~~The Registrant~~to ~~transferred~~ the ~~VRR~~servicing ~~Interest~~of tothe ~~WFB,~~other ~~JPMorgan~~Mortgage ~~Chase Bank~~Loans, ~~National~~as ~~Association~~described ~~(“JPMCB”),~~under ~~Morgan Stanley Bank, N.A. (~~“~~MSBNA”)~~Pooling and ~~Bank~~Servicing ~~of America, National Association (“BANA~~Agreement”) (in ~~such~~the ~~capacity,~~Prospectus filed by the ~~“VRR~~Issuing ~~Retaining~~Entity ~~Parties”),~~ pursuant to aRule ~~VRR~~424(b)(2) ~~Interest~~with ~~Transfer~~respect ~~Agreement,~~to ~~dated~~the asCertificates ofon November 2021, 2025 (the “Prospectus”), ~~between~~however the ~~Registrant~~servicing ~~and~~arrangements ~~the~~under ~~VRR~~such ~~Retaining~~agreements ~~Parties.~~will ~~The~~differ ~~Privately~~in ~~Offered~~certain ~~Certificates~~respects, ~~and~~including the ~~VRR~~items ~~Interest~~set ~~were sold~~forth ~~and~~under ~~transferred,~~“Pooling asand ~~applicable,~~Servicing inAgreement—Servicing ~~transactions~~of ~~exempt~~the ~~from~~Non-Serviced ~~registration~~Mortgage ~~under~~Loans—General” in the ~~Securities~~Prospectus ~~Act~~and ofthe ~~1933, as amended.~~following:

· The ~~net~~primary ~~proceeds~~servicing offee ~~the~~payable ~~offering~~ to the ~~Registrant~~related ofNon-Serviced ~~the~~Master ~~issuance~~Servicer ofwill ~~the~~accrue ~~Publicly~~at ~~Offered~~a ~~Certificates,~~rate ~~after deducting expenses payable by the Registrant~~ of ~~$5,670,356, were approximately $606,099,929~~0.00125% Ofper ~~the~~annum ~~expenses~~(which ~~paid~~will bybe ~~the Registrant, approximately $0 was~~ paid ~~directly to affiliates of the Registrant, $466,313~~ in ~~the~~connection ~~form~~with of fees were paid to the Underwriters, $500,712 were paid to or for the Underwriters and $4,703,332 were other expenses. All of the foregoing expense amounts are the Registrant’s reasonable estimates of such ~~expenses.~~Non-Serviced NoMaster ~~underwriting discounts and commissions or finder~~Servicer’s ~~fees~~primary ~~were~~servicing ~~paid~~obligations ~~by the Registrant; the Publicly Offered Certificates were offered by the Underwriters~~ for ~~sale to~~ the ~~public~~Mall ~~in negotiated transactions or otherwise~~ at ~~varying~~Bay ~~prices~~Plaza ~~determined~~Mortgage atLoan 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 November 21, 2025 and in the ~~Prospectus~~Capital ~~referred~~Storage toPortfolio ~~above.~~Mortgage ~~The related registration statement (file no. 333-282099~~Loan) ~~was originally declared effective on December 2, 2024.~~;

The special servicing fee payable to the related Non-Serviced Special Servicer with respect to the Mall at Bay Plaza Mortgage Loan and the Capital Storage Portfolio Mortgage Loan if such Mortgage Loan is a specially serviced loan thereunder will accrue at a rate equal to the greater of (i) 0.25% per annum

and (ii) the per annum rate that would result in a special servicing fee of $5,000 for the related Whole Loan;

The workout fee payable to the related Non-Serviced Special Servicer with respect to each of the Mall at Bay Plaza Mortgage Loan and the Capital Storage Portfolio Mortgage Loan if such Mortgage Loan is a corrected loan thereunder will accrue at a rate equal to 1.00%;

The liquidation fee payable to the related Non-Serviced Special Servicer with respect to each of the Mall at Bay Plaza Mortgage Loan and the Capital Storage Portfolio Mortgage Loan will accrue at a rate equal to 1.00%; provided that if such rate would result in an aggregate liquidation fee less than $25,000, then the liquidation fee rate will be equal to the lesser of (i) 3.00% and (ii) such lower rate as would result in an aggregate liquidation fee equal to $25,000; and

The powers and duties of the Non-Serviced Operating Advisor under the WFCM 2025-5C7 PSA differ in certain respects from those of the operating advisor under the Pooling and Servicing Agreement.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits:

599.1 ~~Legality~~Pooling ~~Opinion~~and ofServicing ~~Sidley Austin LLP~~Agreement, dated and effective as of December 91, 2025, between Wells Fargo Commercial Mortgage Securities, Inc., as depositor, Midland Loan Services, a Division of PNC Bank, National Association, as master servicer and as a special servicer, CWCapital Asset Management LLC, as a special servicer, KeyBank National Association, as a special servicer, Computershare Trust Company, National Association, as certificate administrator and as trustee, and BellOak, LLC, as operating advisor and as asset representations reviewer.

8.1 Tax Opinion of Sidley Austin LLP, dated December 9, 2025 (included as part of Exhibit 5.1).

23.1 Consent of Sidley Austin LLP (included as part of Exhibit 5.1).

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.

	WELLS FARGO COMMERCIAL MORTGAGE SECURITIES, INC.



	By:	/s/ Lee Green
	Name: Lee Green
	Title: Managing Director

Dated: December 919, 2025

Exhibit Index

Exhibit No.	Description	~~Description~~
	5.1	Legality Opinion of Sidley Austin LLP, dated December 9, 2025.
99.1	Pooling and Servicing Agreement, dated and effective as of December 1, 2025, between Wells Fargo Commercial Mortgage Securities, Inc., as depositor, Midland Loan Services, a Division of PNC Bank, National Association, as master servicer and as a special servicer, CWCapital Asset Management LLC, as a special servicer, KeyBank National Association, as a special servicer, Computershare Trust Company, National Association, as certificate administrator and as trustee, and BellOak, LLC, as operating advisor and as asset representations reviewer.

8.1 Tax Opinion of Sidley Austin LLP, dated December 9, 2025 (included as part of Exhibit 5.1).

23.1 Consent of Sidley Austin LLP (included as part of Exhibit 5.1).

Filing Compare · BANK5 2025-5YR18