BlastPoint's Banking Scorecard
Wilmington Trust, National Association
Community
Specialty: Other
DE
FDIC cert 34069
Wilmington, DE
1484
banks in Community tier nationally
3 in DE
View Community leaderboard (DE) →
Wilmington Trust, National Association has 3 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 1% in Community
- + Revenue Diversifier: Top 3% in Community
- + Net Interest Margin 4.37% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 1% in Community
- - Deposit Outflow: Bottom 17% in Community
- - Liquidity Strain: Bottom 18% in Community
- - Capital Constraint: Bottom 100% in Community
- - Efficiency Ratio 19.24% above tier
- - Delinquency Rate 5.56% above tier
- - Non-Interest-Bearing Deposit Share 20.79% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$772.8M
+8.7% YoY
-1.1% QoQ
|
-$618.7M |
$1.4B
+2.0% YoY
|
$70.8B
-0.9% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$26.6M
-20.1% YoY
-4.2% QoQ
|
-$948.9M |
$975.5M
+2.4% YoY
|
$38.1B
+1.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$5.1M
-10.9% YoY
-1.7% QoQ
|
-$1.2B |
$1.2B
+1.7% YoY
|
$56.7B
+1.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
7.95%
+27.2% YoY
-22.0% QoQ
|
+6.79% |
1.16%
+17.2% YoY
|
2.49%
+4.3% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
8.04%
-3.4% YoY
+0.0% QoQ
|
+4.37% |
3.66%
+9.1% YoY
|
4.25%
-12.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
81.87%
-2.3% YoY
+5.8% QoQ
|
+19.24% |
62.63%
-5.3% YoY
|
56.99%
-1.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
6.19%
+22.6% YoY
+6.7% QoQ
|
+5.56% |
0.63%
+18.3% YoY
|
1.71%
-0.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
517.99%
-10.3% YoY
-2.5% QoQ
|
+434.93% |
83.06%
+0.3% YoY
|
76.04%
+10.2% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
0.25%
+82.5% YoY
+20.2% QoQ
|
-20.79% |
21.05%
-0.9% YoY
|
24.33%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? |
0.21%
-25.4% YoY
+3.3% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.35%
-1.4% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
291.46%
+8.1% YoY
+1.5% QoQ
|
+281.22% |
10.24%
-0.6% YoY
|
13.96%
+2.6% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
58.29%
+10.0% YoY
+31.8% QoQ
|
+57.55% |
0.74%
-1.3% YoY
|
2.13%
+17.1% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#6 of 371 · Top 1% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
7.95%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Revenue Diversifier
growth
#13 of 371 · Top 3% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
58.29%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
7.95%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 1%
in Community
Why this stands out
Current:
8.04%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (7)
Liquidity Overhang
risk
#4 of 268 · Bottom 1% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
291.46%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
517.99%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Deposit Outflow
decline
#43 of 248 · Bottom 17% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#91 of 513 · Bottom 18% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
517.99%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Capital Constraint
risk
#47 of 47 · Bottom 100% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
517.99%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
291.46%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
81.87%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
6.19%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 1%
in Community
Why this stands out
Current:
0.25%
(Tier avg: 21.05%, National avg: 21.79%)
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
100
100th pctile
Return on Assets
Current: 7.95% · Tier avg: 1.16%
100
100th pctile
Net Interest Margin
Current: 8.04% · Tier avg: 3.66%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
33
33th pctile
Total Assets
Current: $772.8M · Tier avg: $1.4B
9
9th pctile
Efficiency Ratio
Current: 81.87% · Tier avg: 62.63%
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.25% · Tier avg: 21.05%
0
0th pctile
Total Loans
Current: $26.6M · Tier avg: $975.5M
0
0th pctile
Total Deposits
Current: $5.1M · Tier avg: $1.2B
0
0th pctile
Delinquency Rate
Current: 6.19% · Tier avg: 0.63%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 6.19% · Tier avg: 0.63%
0
0th pctile
Total Deposits
Current: $5.1M · Tier avg: $1.2B
0
0th pctile
Total Loans
Current: $26.6M · Tier avg: $975.5M
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.25% · Tier avg: 21.05%
9
9th pctile
Efficiency Ratio
Current: 81.87% · Tier avg: 62.63%
33
33th pctile
Total Assets
Current: $772.8M · Tier avg: $1.4B
63
63th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
100
100th pctile
Net Interest Margin
Current: 8.04% · Tier avg: 3.66%
100
100th pctile
Return on Assets
Current: 7.95% · Tier avg: 1.16%