Artisans' Bank
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Data as of · sourced from FFIEC call reports. How we update
Artisans' Bank is an FDIC-insured savings bank headquartered in Wilmington, DE, established in 1861 (FDIC certificate 17123), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $718.2M, up 3.3% from Q2 2025, the 8th largest of 16 banks headquartered in Delaware. Its CET1 capital ratio was 13.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17123
- Headquarters
- Wilmington, DE
- Established
- 1861
- Total assets, Q2 2026
- $718.2M
- Assets vs Q2 2025
- +3.3%
- CET1 ratio, Q2 2026
- 13.01%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 231175759
- Asset rank in state
- 8th of 16 in Delaware
Problem loans are rising at Artisans' Bank. Based in Wilmington, Delaware, it had $718 million in assets at June 30, 2026, up 3.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.72% of loans from 0.29% a year earlier. It holds commercial real estate loans worth 3.1 times its capital, 2.6 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also earns about $0.62 a year on every $100 of assets, about half the median of $1.28 for banks its size.
Earnings jumped: net income for the quarter was $1.1 million, 95% above the same quarter a year earlier. Unrealized losses on its securities total $14 million, equal to 18% of Tier 1 capital, against 22% a year earlier. Costs are the weak spot: it spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Artisans' Bank reported a CET1 capital ratio of 13.01%, a return on assets of 0.62%, a nonperforming-loan ratio of 0.74% and a Texas ratio of 5.55%. The figures come from its call report filed with the FFIEC.
Of the 16 banks headquartered in Delaware, Artisans' Bank is the 8th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.2% to $718.2M, loans rose 2.1% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 30.9% of total loans, ahead of non-owner-occupied commercial real estate loans at 30.0%. Its 13 offices in the FDIC Summary of Deposits are in 7 cities in DE; its Wilmington 7 offices book 52% of its branch deposits. On its Q2 2026 call report, Artisans' Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2961 Centerville Rd, Wilmington, DE 19808
- County
- New Castle
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 28, 1861
- Former names
- Artisans' Savings Bank (1972-1996)
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 122
- Domestic deposits
- $643.0M
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- $26K
- Average total assets
- $729.2M
- Average total loans
- $520.1M
- Average interest-bearing deposits
- $610.0M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- July 3, 1952
- FDIC Cert
- 17123
- Fed RSSD
- 73116
- Website
- www.artisansbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Artisans' Bank's total assets ranged from $667.8M (Q3 2023) to $719.6M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$718.2M total assets against $695.6M; $650.2M total liabilities against $633.3M.
$521.6M net loans and leases against $504.7M; $643.0M total deposits against $624.9M.
$129.9M securities against $121.4M; $32.0M cash and balances due against $33.8M.
$8.9M total interest income against $8.4M; $3.1M total interest expense against $3.2M.
$5.8M net interest income against $5.2M.
$831K total noninterest income against $591K; $5.0M total noninterest expense against $4.9M.
$244K provision for credit losses against $156K.
$1.1M net income against $581K.
0.62% return on assets against 0.33%; 3.35% net interest margin against 3.07%.
13.01% CET1 capital ratio against 12.72%; 10.44% tier 1 leverage ratio against 10.15%.
Inside the full Artisans' Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Artisans' Bank rankings
Its closest position to the top of a national ranking is 1,347 of 4,196, for total assets; its furthest is 3,118 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.28% (Q1 2025) to 0.62% (Q2 2026) and its net interest margin ran from 2.88% (Q4 2024) to 3.35% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.01% | 0.62% | 0.74% | 5.55% | 3.35% |
| Q1 2026 | 13.08% | 0.40% | 0.48% | 3.71% | 3.20% |
| Q4 2025 | 12.92% | 0.62% | 0.28% | 1.87% | 3.21% |
| Q3 2025 | 13.00% | 0.62% | 0.38% | 2.67% | 3.25% |
| Q2 2025 | 12.72% | 0.33% | 0.30% | 2.17% | 3.07% |
| Q1 2025 | 12.80% | 0.28% | 0.35% | 2.53% | 2.91% |
| Q4 2024 | 12.45% | 0.35% | 0.32% | 2.41% | 2.88% |
| Q3 2024 | 12.43% | 0.40% | 0.78% | 5.86% | 2.95% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Midway Branch | Wilmington , DE | 19808 | $93.2M |
| Talleyville Branch | Wilmington , DE | 19810 | $85.8M |
| Dover Branch | Dover , DE | 19904 | $76.2M |
| Pike Creek Branch | Wilmington , DE | 19808 | $67.6M |
| Little Falls Branch | Wilmington , DE | 19808 | $58.1M |
| Rehoboth Beach Branch | Rehoboth Beach , DE | 19971 | $55.2M |
| Bear Branch | Bear , DE | 19701 | $55.2M |
| Glasgow Branch | Newark , DE | 19702 | $48.7M |
| Millville Branch | Millville , DE | 19967 | $40.9M |
| Milford Branch | Milford , DE | 19963 | $34.6M |
| W. Ninth Street Branch | Wilmington , DE | 19801 | $22.7M |
| Open.Artisansbank.Com Branch | Wilmington , DE | 19808 | $5.0M |
| Artisans' Bank (main office) | Wilmington , DE | 19808 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in DE, rank 14 of 31 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $425K approved, $425K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Artisans' Bank
What are Artisans' Bank's total assets?
As of the Q2 2026 filing, Artisans' Bank reported total assets of $718.2 million in its FFIEC call report.
Where is Artisans' Bank headquartered?
It is headquartered in Wilmington, DE, United States.
When was Artisans' Bank founded?
It was established in 1861, per the FDIC institution directory.
Is Artisans' Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #17123). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Artisans' Bank?
Artisans' Bank's primary federal regulator is the FDIC.
What is Artisans' Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Artisans' Bank operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Artisans' Bank's Texas Ratio?
Its Texas Ratio is 5.55% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Artisans' Bank previously called?
The charter now named Artisans' Bank has also operated as Artisans' Savings Bank (1972-1996), per FDIC structure-change records.
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