Total Assets
$47.6B
Total balance-sheet footings
FDIC Cert #57203 · Wilmington, Delaware · Est. 2001
Barclays Bank Delaware - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $47.6B
- Total assets
- B
- Health grade · Good
- 0.87%
- Return on assets
- 13.6%
- Tier 1 capital
Data updated July 2026
The verdict
Barclays Bank Delaware earns a PlainBankData health grade of B (73/100), with well-capitalized at 13.63% Tier 1, 0.87% ROA, 65% efficiency ratio.
- #51
- largest of 4,313 FDIC banks by assets
- 99th
- percentile by asset size, nationally
- 13.63%
- Tier 1 ratio - above the 10% well-capitalized line
- 34th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Barclays Bank Delaware's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Barclays Bank Delaware's composite health score
Tier 1 Capital Ratio (13.63%) 35/40
Return on Assets (ROA) (0.87%) 14/25
Texas Ratio (6.86%) 16/20
Efficiency Ratio (64.66%) 8/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$38.1B
Customer-funded liabilities
Net Loans
$33.9B
Outstanding loan book
Net Income
$397M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Barclays Bank Delaware ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Barclays Bank Delaware's score of 73/100 falls in the highlighted band.
Barclays Bank Delaware's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Barclays Bank Delaware's $47.6B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.63% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.63%
Texas Ratio
6.86%
Equity Capital
$6.4B
Profitability metrics
Return on Assets (ROA)
34th percentile nationally
0.87%
Return on Equity (ROE)
6.36%
Efficiency Ratio
64.66%
What the numbers say about Barclays Bank Delaware
Barclays Bank Delaware is an FDIC-insured institution (Certificate #57203) headquartered in Wilmington, Delaware, established in 2001. It holds $47.6B in total assets - 51st of 4,313 FDIC-insured banks, $38.1B in customer deposits, and $33.9B in net loans. On safety, its Tier 1 capital ratio of 13.63% is above the 10% well-capitalized threshold, and its Texas Ratio of 6.86% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (73/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Barclays Bank Delaware's asset base places it among the largest FDIC-insured institutions in the country, 51st of 4,313 nationally, and 4th of 16 banks headquartered in Delaware. Only Santander Bank ($104.1B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$6.4B
Interest Income
$702M
Non-Interest Income
$3.6B
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Barclays Bank Delaware reports a Texas Ratio of 6.86% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.86% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Delaware by total assets
National size peers: banks closest to Barclays Bank Delaware by assets
Barclays Bank Delaware is closely matched in total assets by SoFi Bank, EverBank, First National Bank of Pennsylvania, Associated Bank across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.27%, versus Barclays Bank Delaware's own 0.87%; the average efficiency ratio is 55.71%, versus 64.66% here; and average Tier 1 capital sits at 12.78%, versus 13.63% at Barclays Bank Delaware. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $47.6B in assets, Barclays Bank Delaware has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Barclays Bank Delaware (this bank) | DE | $47.6B | 0.87% | 64.66% | 13.63% |
| SoFi Bank, National Association | UT | $46.6B | 1.96% | 68.09% | 16.44% |
| EverBank, National Association | FL | $46.0B | 0.72% | 56.37% | 12.37% |
| First National Bank of Pennsylvania | PA | $50.0B | 1.29% | 51.65% | 11.37% |
| Associated Bank, National Association | WI | $45.1B | 1.10% | 56.64% | 10.52% |
| Raymond James Bank | FL | $43.4B | 1.47% | 37.33% | 13.95% |
| BOKF, National Association | OK | $52.0B | 1.10% | 64.16% | 12.02% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Barclays Bank Delaware (FDIC Cert #57203) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Delaware
All Delaware banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| PNC Bank, National AssociationWilmington | $568.3B | A | 1.30% |
| TD Bank, National AssociationWilmington | $346.2B | A | 0.54% |
| Santander Bank, N.A.Wilmington | $104.1B | A | 1.36% |
| TD Bank USA, National AssociationWilmington | $34.6B | A | 1.16% |
| Wilmington Savings Fund Society, FSBWilmington | $21.2B | A | 1.43% |
| Comenity BankWilmington | $7.8B | A | 4.91% |
| Wilmington Trust, National AssociationWilmington | $773M | A | 7.95% |
| Artisans' BankWilmington | $715M | C | 0.48% |
Frequently asked questions
What is Barclays Bank Delaware's health grade?▼
Barclays Bank Delaware receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Barclays Bank Delaware?▼
Barclays Bank Delaware holds $47.6B in total assets and $38.1B in deposits, ranking 51st of 4,313 FDIC-insured banks by asset size. It is headquartered in Wilmington, Delaware.
Is my money safe at Barclays Bank Delaware?▼
Yes, deposits at Barclays Bank Delaware (Certificate #57203) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Barclays Bank Delaware's Tier 1 Capital Ratio?▼
Barclays Bank Delaware has a Tier 1 Capital Ratio of 13.63%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Barclays Bank Delaware?▼
Barclays Bank Delaware has a Texas Ratio of 6.86%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Barclays Bank Delaware?▼
Barclays Bank Delaware has an Efficiency Ratio of 64.66%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Barclays Bank Delaware's profile as a depositor or analyst.
- Barclays Bank Delaware's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Barclays Bank Delaware against other Delaware banks before moving funds. Delaware banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.