FDIC Cert #34069 · Wilmington, Delaware · Est. 1995

Wilmington Trust, National Association - FDIC Bank Health Profile

A community-scale look at Wilmington Trust, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$773M
Total assets
A
Health grade · Excellent
7.95%
Return on assets
291.5%
Tier 1 capital

Data updated July 2026

The verdict

Wilmington Trust, National Association earns a PlainBankData health grade of A (85/100), with well-capitalized at 291.46% Tier 1, profitable at 7.95% ROA, 82% efficiency ratio.

#1,292
largest of 4,313 FDIC banks by assets
70th
percentile by asset size, nationally
291.46%
Tier 1 ratio - above the 10% well-capitalized line
100th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 34069 · DE A · 85/100

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

  • GRADE-A A (85/100)
  • MID-PACK #1341/4307
  • PHOTO-FINISH Community Banking Co… · GA
  • TIER1-WELL 291.5% Tier 1
  • TEXAS-CLEAN 0.2% Texas
  • ROA-STRONG 7.95% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Delaware: Community Banking Company, GA (±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 Trust

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

Morgan Stanley Bank,… · UT ·…100/100Community Banking Co… · GA ·…85/100Crescent Bank · LA · near85/100Nationwide Trust Com… · OH ·…85/100Wilmington Trust, Na… · DE ·…85/100Wolf River Community… · WI ·…85/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Wilmington Trust · July 2026

Plate reading for Wilmington Trust where failures stay rare

Wilmington Trust, National Association (FDIC Cert #34069) carries a PlainBankData health grade of A at 85/100, 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 #1,341 of 4,307. Tier 1 capital prints at 291.46%, clearing the 10% well-capitalized line. The Texas Ratio is 0.25%, inside the sub-50% band analysts treat as healthy. Return on assets is 7.95%. Balance-sheet scale is $773M, 1,292nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Community Banking Company (GA), 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 Trust

Zero FAILURE resolutions in Delaware since 2000

Wilmington Trust, National Association 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 Trust, National Association's 85/100 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 avg77/10085/100
Wilmington Trust, National Association's composite health score
Tier 1 Capital Ratio (291.46%) 40/40
Return on Assets (ROA) (7.95%) 25/25
Texas Ratio (0.25%) 20/20
Efficiency Ratio (81.87%) 0/15

85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$773M

Total balance-sheet footings

Total Deposits

$5M

Customer-funded liabilities

Net Loans

$27M

Outstanding loan book

Net Income

$59M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 50% 100% 150% 200% 250% 300% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 290.06% 291.46% 292.86%
Basel III capital ratios - Wilmington Trust, National Association

Where Wilmington Trust, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Wilmington Trust, National Association's score of 85/100 falls in the highlighted band.

Wilmington Trust, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

85 Top 31% higher than 69% 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 Trust 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 Trust, National Association'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 Trust, National Association's $773M falls in the highlighted band.

Safety metrics: Wilmington Trust

Tier 1 capital ratio
Well-capitalized 10%

291.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
291.46%
Texas Ratio
0.25%
Equity Capital
$669M

What these ratios mean →

Earnings posture at Wilmington Trust

Return on Assets (ROA)
100th percentile nationally
7.95%
Return on Equity (ROE)
9.26%
Efficiency Ratio
81.87%

What these mean →

Income & expense at Wilmington Trust

$2M
Interest Income
$450M
Non-Interest Income
$371M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Wilmington Trust, National Association reports a Texas Ratio of 0.25% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.25% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Wilmington Trust, National Association 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.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($773M here), outside Delaware so the neighborhood is not state containment.

American Pride Bank $773M · GA Primebank $773M · IA Macon Bank and Trust Company $772M · TN Industrial Bank $773M · DC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Wilmington Trust, National Association (FDIC Cert #34069) - 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 Trust, National Association 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%
Wilmington Savings Fund Society, FSBWilmington $21.2B A 1.43%
Comenity BankWilmington $7.8B A 4.91%
Artisans' BankWilmington $715M C 0.48%