BlastPoint's Banking Scorecard
Wilmington Savings Fund Society, FSB
Mid-Market
Specialty: Commercial
DE
FDIC cert 17838
Wilmington, DE
201
banks in Mid-Market tier nationally
2 in DE
View Mid-Market leaderboard (DE) →
Wilmington Savings Fund Society, FSB demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 42% in Mid-Market
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$21.2B
+2.4% YoY
+2.2% QoQ
|
+$10.8B |
$10.5B
+2.9% YoY
|
$70.8B
-0.9% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$13.1B
+0.7% YoY
+2.4% QoQ
|
+$6.0B |
$7.1B
+4.5% YoY
|
$38.1B
+1.1% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$17.9B
+3.4% YoY
+2.0% QoQ
|
+$9.4B |
$8.5B
+3.0% YoY
|
$56.7B
+1.4% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
1.43%
+7.4% YoY
+0.3% QoQ
|
+0.27% |
1.16%
+9.4% YoY
|
2.49%
+4.3% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
4.02%
+1.3% YoY
+0.4% QoQ
|
+0.63% |
3.40%
+7.9% YoY
|
4.25%
-12.2% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
56.85%
-2.1% YoY
-0.7% QoQ
|
+0.24% |
56.60%
-3.2% YoY
|
56.99%
-1.1% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
0.72%
-28.7% YoY
+6.6% QoQ
|
+0.03% |
0.68%
+12.0% YoY
|
1.71%
-0.6% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
73.29%
-2.6% YoY
+0.4% QoQ
|
-12.18% |
85.47%
+1.1% YoY
|
76.04%
+10.2% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
31.32%
+8.1% YoY
+4.4% QoQ
|
+10.68% |
20.64%
-0.3% YoY
|
24.33%
-1.0% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.45%
-32.4% YoY
+6.4% QoQ
|
-0.05% |
0.50%
+7.3% YoY
|
0.35%
-1.4% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
14.06%
+1.3% YoY
+2.2% QoQ
|
+0.51% |
13.55%
+1.8% YoY
|
13.96%
+2.6% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
1.42%
-4.5% YoY
+32.0% QoQ
|
+0.46% |
0.96%
+7.1% YoY
|
2.13%
+17.1% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#21 of 49 · Top 42% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.42%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
1.43%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Total Deposits
Current: $17.9B · Tier avg: $8.5B
94
94th pctile
Total Assets
Current: $21.2B · Tier avg: $10.5B
89
89th pctile
Non-Interest Income / Assets
Current: 1.42% · Tier avg: 0.96%
89
89th pctile
Total Loans
Current: $13.1B · Tier avg: $7.1B
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 31.32% · Tier avg: 20.64%
80
80th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.40%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.06% · Tier avg: 13.55%
70
70th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.16%
49
49th pctile
Efficiency Ratio
Current: 56.85% · Tier avg: 56.60%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
42
42th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.68%
20
20th pctile
Loan-to-Deposit Ratio
Current: 73.29% · Tier avg: 85.47%
Top Weaknesses
20
20th pctile
Loan-to-Deposit Ratio
Current: 73.29% · Tier avg: 85.47%
42
42th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.68%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
49
49th pctile
Efficiency Ratio
Current: 56.85% · Tier avg: 56.60%
70
70th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.16%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.06% · Tier avg: 13.55%
80
80th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.40%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 31.32% · Tier avg: 20.64%
89
89th pctile
Total Loans
Current: $13.1B · Tier avg: $7.1B
89
89th pctile
Non-Interest Income / Assets
Current: 1.42% · Tier avg: 0.96%
94
94th pctile
Total Assets
Current: $21.2B · Tier avg: $10.5B
95
95th pctile
Total Deposits
Current: $17.9B · Tier avg: $8.5B