WILMINGTON SAVINGS BANK, THE

WILMINGTON, OH | Small | Est. Jan. 1, 1890, midnight | FDIC #31539 | RSSD #87476 | FDIC
Latest Report: 2025-12-31

WILMINGTON SAVINGS BANK, THE is asn small FDIC-insured commercial bank headquartered in WILMINGTON, OH, established in Jan. 1, 1890, midnight. As of 2025-12-31, the bank reported total assets of $267M and total deposits of $228M. Profitability stands at 1.09% ROA and 7.66% ROE, with a net interest margin of 2.59%. The bank's CET1 capital ratio is 14.10%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.77% and a Texas Ratio of 3.55%. FDIC Certificate #31539.

Assets

$267M

Deposits

$228M

Loans

$206M

Equity

$38M

Profitability

Return on Assets (ROA) 1.09%
Return on Equity (ROE) 7.66%
Net Interest Margin (NIM) 2.59%
Yield on Assets 4.85%
Cost of Funds 2.44%

Asset Quality

NPL Ratio 0.77%
Net Charge-Off Ratio 0.01%
Texas Ratio 3.55%
NPA Ratio 0.59%
ACL / Loans 3.18%

Capital & Liquidity

CET1 Ratio 14.10%
Tier 1 Capital 14.10%
Total Capital Ratio 14.81%
Leverage Ratio 14.39%
Loan-to-Deposit 90.56%

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