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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 17838 · DE A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1156/4307
  • PHOTO-FINISH Strasburg State Bank · ND
  • TIER1-WELL 14.1% Tier 1
  • TEXAS-CLEAN 3.3% Texas
  • ROA-STRONG 1.43% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Delaware: Strasburg State Bank, ND (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Wilmington Savings Fund Society, FSB

Lowest and highest poles plus nearest scored peers outside Delaware, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Greeley · KS · near87/100First Hawaiian Bank · HI · n…87/100Franklin Bank & Trus… · KY ·…87/100Strasburg State Bank · ND · …87/100Wilmington Savings F… · DE ·…87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Wilmington Savings Fund Society, FSB · July 2026

Plate reading for Wilmington Savings Fund Society, FSB where failures stay rare

Wilmington Savings Fund Society, FSB (FDIC Cert #17838) carries a PlainBankData health grade of A at 87/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,156 of 4,307. Tier 1 capital prints at 14.06%, clearing the 10% well-capitalized line. The Texas Ratio is 3.30%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.43%. Balance-sheet scale is $21.2B, 98th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Strasburg State Bank (ND), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Wilmington Savings Fund Society, FSB

Zero FAILURE resolutions in Delaware since 2000

Wilmington Savings Fund Society, FSB is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST REPUBLICBANK DELAWARE NEWARK, DE 1988 → CITIBANK DELAWARE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Delaware banks.

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.

0/100100/100National avg77/10087/100
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 Assets

$21.2B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.66% 14.06% 15.46%
Basel III capital ratios - Wilmington Savings Fund Society, FSB

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 27% higher than 73% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Wilmington Savings Fund Society, FSB 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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: Wilmington Savings Fund Society, FSB

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

What these ratios mean →

Earnings posture at Wilmington Savings Fund Society, FSB

Return on Assets (ROA)
71st percentile nationally
1.43%
Return on Equity (ROE)
11.63%
Efficiency Ratio
56.85%

What these mean →

Income & expense at Wilmington Savings Fund Society, FSB

$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.

FDIC Failed Bank List → View Wilmington Savings Fund Society, FSB on FDIC BankFind →

Top banks in Delaware by total assets

Largest banks headquartered in Delaware
  1. 1
    PNC Bank $568.3B

    Wilmington, DE · Grade A

  2. 2
    TD Bank $346.2B

    Wilmington, DE · Grade A

  3. 3
    Santander Bank $104.1B

    Wilmington, DE · Grade A

  4. 4
    Barclays Bank Delaware $47.6B

    Wilmington, DE · Grade B

  5. 5
    TD Bank USA $34.6B

    Wilmington, DE · Grade A

Top 5 banks in Delaware ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to Wilmington Savings Fund Society, FSB nationally by total assets
  1. 1
    First Financial Bank $21.0B

    Cincinnati, OH · Grade A

  2. 2
    Seacoast National Bank $20.8B

    Stuart, FL · Grade A

  3. 3
    Optum Bank, Inc. $20.8B

    Draper, UT · Grade A

  4. 4
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  5. 5
    Mechanics Bank $22.4B

    Walnut Creek, CA · Grade A

  6. 6
    State Bank of India $22.6B

    New York, NY · Grade F

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($21.2B here), outside Delaware so the neighborhood is not state containment.

First Financial Bank $21.0B · OH Seacoast National Bank $20.8B · FL Optum Bank, Inc. $20.8B · UT The Central Trust Bank $20.8B · MO

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.

Wilmington Savings Fund Society, FSB Call Report profile · FDIC Failed Bank List · Delaware FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Delaware

All Delaware banks →
BankAssetsGradeROA
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%