BlastPoint's Banking Scorecard
Barclays Bank Delaware
Large
Specialty: Credit Card
DE
FDIC cert 57203
Wilmington, DE
69
banks in Large tier nationally
3 in DE
View Large leaderboard (DE) →
Barclays Bank Delaware has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 7.93% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 25% in Large
- - Credit Risk Growth: Bottom 48% in Large
- - Non-Interest-Bearing Deposit Share 19.84% below tier
- - Nonperforming Asset Ratio 0.75% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$47.6B
+6.6% YoY
+1.7% QoQ
|
-$27.3B |
$74.9B
-4.4% YoY
|
$70.8B
-0.9% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$33.9B
+10.7% YoY
+4.8% QoQ
|
-$12.5B |
$46.4B
-2.1% YoY
|
$38.1B
+1.1% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$38.1B
+7.6% YoY
+2.9% QoQ
|
-$22.4B |
$60.5B
-4.5% YoY
|
$56.7B
+1.4% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
0.87%
-19.3% YoY
-18.8% QoQ
|
-0.33% |
1.19%
+17.8% YoY
|
2.49%
+4.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
11.40%
+0.1% YoY
+1.3% QoQ
|
+7.93% |
3.46%
+13.1% YoY
|
4.25%
-12.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
64.66%
+3.0% YoY
-0.3% QoQ
|
+9.63% |
55.03%
-2.8% YoY
|
56.99%
-1.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
1.83%
+0.0% YoY
+6.4% QoQ
|
+0.95% |
0.88%
-0.3% YoY
|
1.71%
-0.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
89.02%
+2.8% YoY
+1.8% QoQ
|
+7.30% |
81.72%
+3.9% YoY
|
76.04%
+10.2% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
0.13%
-13.8% YoY
-28.2% QoQ
|
-19.84% |
19.97%
+0.5% YoY
|
24.33%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
1.30%
+3.9% YoY
+9.7% QoQ
|
+0.75% |
0.55%
+9.0% YoY
|
0.35%
-1.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
15.25%
-0.1% YoY
-5.1% QoQ
|
+1.92% |
13.33%
-0.7% YoY
|
13.96%
+2.6% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
1.47%
+1.3% YoY
+26.4% QoQ
|
+0.39% |
1.09%
+2.4% YoY
|
2.13%
+17.1% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 1%
in Large
Why this stands out
Current:
11.40%
(Tier avg: 3.46%, National avg: 3.75%)
Concerns (4)
Margin Compression
decline
#2 of 5 · Bottom 25% in Large
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.87%
(Tier: 1.19%, National: 1.12%)
5 of 5 Large banks match
·
147 nationally
→ Stable
-9 banks QoQ
Credit Risk Growth
risk
#13 of 26 · Bottom 48% in Large
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
26 of 26 Large banks match
·
759 nationally
→ Stable
+24 banks QoQ
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Large
Why this stands out
Current:
0.13%
(Tier avg: 19.97%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Large
Why this stands out
Current:
1.30%
(Tier avg: 0.55%, National avg: 0.48%)
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
Net Interest Margin
Current: 11.40% · Tier avg: 3.46%
84
84th pctile
Non-Interest Income / Assets
Current: 1.47% · Tier avg: 1.09%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.25% · Tier avg: 13.33%
52
52th pctile
Total Loans
Current: $33.9B · Tier avg: $46.4B
51
51th pctile
Total Assets
Current: $47.6B · Tier avg: $74.9B
49
49th pctile
Total Deposits
Current: $38.1B · Tier avg: $60.5B
29
29th pctile
Loan-to-Deposit Ratio
Current: 89.02% · Tier avg: 81.72%
13
13th pctile
Efficiency Ratio
Current: 64.66% · Tier avg: 55.03%
13
13th pctile
Delinquency Rate
Current: 1.83% · Tier avg: 0.88%
12
12th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.19%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.30% · Tier avg: 0.55%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 0.13% · Tier avg: 19.97%
Top Weaknesses
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 0.13% · Tier avg: 19.97%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.30% · Tier avg: 0.55%
12
12th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.19%
13
13th pctile
Delinquency Rate
Current: 1.83% · Tier avg: 0.88%
13
13th pctile
Efficiency Ratio
Current: 64.66% · Tier avg: 55.03%
29
29th pctile
Loan-to-Deposit Ratio
Current: 89.02% · Tier avg: 81.72%
49
49th pctile
Total Deposits
Current: $38.1B · Tier avg: $60.5B
51
51th pctile
Total Assets
Current: $47.6B · Tier avg: $74.9B
52
52th pctile
Total Loans
Current: $33.9B · Tier avg: $46.4B
78
78th pctile
Tier 1 Capital Ratio
Current: 15.25% · Tier avg: 13.33%
84
84th pctile
Non-Interest Income / Assets
Current: 1.47% · Tier avg: 1.09%
100
100th pctile
Net Interest Margin
Current: 11.40% · Tier avg: 3.46%