Total Assets
$21.2B
Total balance-sheet footings
FDIC Cert #17838 · Wilmington, Delaware · Est. 1832
Wilmington Savings Fund Society, FSB - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $21.2B
- Total assets
- A
- Health grade · Excellent
- 1.43%
- Return on assets
- 14.1%
- Tier 1 capital
Data updated July 2026
The verdict
Wilmington Savings Fund Society, FSB earns a PlainBankData health grade of A (87/100), with well-capitalized at 14.06% Tier 1, profitable at 1.43% ROA, efficient (57% cost ratio).
- #98
- largest of 4,313 FDIC banks by assets
- 98th
- percentile by asset size, nationally
- 14.06%
- Tier 1 ratio - above the 10% well-capitalized line
- 71st
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Wilmington Savings Fund Society, FSB's 87/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Wilmington Savings Fund Society, FSB's composite health score
Tier 1 Capital Ratio (14.06%) 35/40
Return on Assets (ROA) (1.43%) 20/25
Texas Ratio (3.30%) 20/20
Efficiency Ratio (56.85%) 12/15
87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$17.9B
Customer-funded liabilities
Net Loans
$13.1B
Outstanding loan book
Net Income
$298M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Wilmington Savings Fund Society, FSB ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Wilmington Savings Fund Society, FSB's score of 87/100 falls in the highlighted band.
Wilmington Savings Fund Society, FSB'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). Wilmington Savings Fund Society, FSB's $21.2B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.06% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.06%
Texas Ratio
3.30%
Equity Capital
$2.7B
Profitability metrics
Return on Assets (ROA)
71st percentile nationally
1.43%
Return on Equity (ROE)
11.63%
Efficiency Ratio
56.85%
What the numbers say about Wilmington Savings Fund Society, FSB
Wilmington Savings Fund Society, FSB is an FDIC-insured institution (Certificate #17838) headquartered in Wilmington, Delaware, established in 1832. It holds $21.2B in total assets - 98th of 4,313 FDIC-insured banks, $17.9B in customer deposits, and $13.1B in net loans. On safety, its Tier 1 capital ratio of 14.06% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.30% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (87/100), 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.
Wilmington Savings Fund Society, FSB's asset base places it among the largest FDIC-insured institutions in the country, 98th of 4,313 nationally, and 6th of 16 banks headquartered in Delaware. Only TD Bank USA ($34.6B) 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
$1.0B
Interest Income
$301M
Non-Interest Income
$603M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Wilmington Savings Fund Society, FSB reports a Texas Ratio of 3.30% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.30% - 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 Wilmington Savings Fund Society, FSB by assets
Wilmington Savings Fund Society, FSB is closely matched in total assets by First Financial Bank, Seacoast National Bank, Optum Bank, Inc., The Central Trust Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.40%, versus Wilmington Savings Fund Society, FSB's own 1.43%; the average efficiency ratio is 40.52%, versus 56.85% here; and average Tier 1 capital sits at 11.86%, versus 14.06% at Wilmington Savings Fund Society, FSB. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $21.2B in assets, Wilmington Savings Fund Society, FSB 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 |
|---|---|---|---|---|---|
| Wilmington Savings Fund Society, FSB (this bank) | DE | $21.2B | 1.43% | 56.85% | 14.06% |
| First Financial Bank | OH | $21.0B | 1.53% | 53.29% | 11.90% |
| Seacoast National Bank | FL | $20.8B | 0.91% | 57.67% | 13.82% |
| Optum Bank, Inc. | UT | $20.8B | 2.69% | 26.29% | 16.97% |
| The Central Trust Bank | MO | $20.8B | 1.82% | 50.05% | 12.88% |
| Mechanics Bank | CA | $22.4B | 1.44% | 55.79% | 15.59% |
| State Bank of India | NY | $22.6B | 0.00% | 0.00% | 0.00% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Wilmington Savings Fund Society, FSB (FDIC Cert #17838) - 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% |
| Barclays Bank DelawareWilmington | $47.6B | B | 0.87% |
| TD Bank USA, National AssociationWilmington | $34.6B | A | 1.16% |
| 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 Wilmington Savings Fund Society, FSB's health grade?▼
Wilmington Savings Fund Society, FSB receives a health grade of A (87/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Wilmington Savings Fund Society, FSB?▼
Wilmington Savings Fund Society, FSB holds $21.2B in total assets and $17.9B in deposits, ranking 98th of 4,313 FDIC-insured banks by asset size. It is headquartered in Wilmington, Delaware.
Is my money safe at Wilmington Savings Fund Society, FSB?▼
Yes, deposits at Wilmington Savings Fund Society, FSB (Certificate #17838) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Wilmington Savings Fund Society, FSB's Tier 1 Capital Ratio?▼
Wilmington Savings Fund Society, FSB has a Tier 1 Capital Ratio of 14.06%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Wilmington Savings Fund Society, FSB?▼
Wilmington Savings Fund Society, FSB has a Texas Ratio of 3.30%. 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 Wilmington Savings Fund Society, FSB?▼
Wilmington Savings Fund Society, FSB has an Efficiency Ratio of 56.85%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Wilmington Savings Fund Society, FSB's profile as a depositor or analyst.
- Wilmington Savings Fund Society, FSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Wilmington Savings Fund Society, FSB 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.