The Wilmington Savings Bank
The Wilmington Savings Bank is an FDIC-insured commercial bank headquartered in Wilmington, OH, supervised by the FDIC, with $268.0M in total assets at Q3 2026, up 3.6% from Q3 2025, the 85th largest of 154 banks headquartered in Ohio. It was established in 1890 and holds FDIC certificate 31539. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.73% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
Also written as WSB
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 31539
- Headquarters
- Wilmington, OH
- Established
- 1890
- Total assets, Q3 2026
- $268.0M
- Assets vs Q3 2025
- +3.6%
- Tier 1 leverage ratio, Q3 2026
- 14.73%
- Domestic offices
- 2 branches
- Routing number
- 242274403
- Safety and soundness
- Is The Wilmington Savings Bank safe?
- Latest call report
- Q3 2026, FFIEC 051 · The Wilmington Savings Bank call report
- Asset rank in state
- 85th of 154 in Ohio
The Wilmington Savings Bank, based in Wilmington, Ohio, reported $268 million in assets at September 30, 2026, up 3.6% from a year earlier. It keeps 2.57 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,623 banks with $100 million to $1 billion in assets (median 4.01 cents). It also returns 4.8% a year on shareholders' equity, about a third the median of 12.7% for banks its size.
Net income for the quarter rose 14% from a year earlier, to $459,000. Over the same year, loans grew 9.6% and deposits grew 3.4%. Funding is the softer spot: it pays an average of 2.39% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.83%).
As of September 30, 2026, The Wilmington Savings Bank reported a return on assets of 0.68%, a nonperforming-loan ratio of 0.80% and a Texas ratio of 3.73%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, The Wilmington Savings Bank is the 85th largest of the 154 banks headquartered in Ohio. Between Q2 2026 and Q3 2026, its total assets rose 0.3% to $268.0M, loans fell 1.1% and deposits were flat. The largest part of its loan book on September 30, 2026 was 1-4 family residential loans, at 72.8% of total loans, ahead of construction and land development loans at 7.6%. Its 2 offices in the FDIC Summary of Deposits are in Wilmington, OH and Hillsboro, OH; its Wilmington office books 89% of its branch deposits. On its Q3 2026 call report, The Wilmington Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 184 N South St, Wilmington, OH 45177
- County
- Clinton
- Metro Area
- Wilmington, OH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- 1890
- Former names
- The Wilmington Savings Bank (1990)
- Domestic offices
- 2 branches
- Employees (FTE)
- 23
- Domestic deposits
- $228.2M
- Allowance for credit losses
- $6.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $269.1M
- Average total loans
- $212.4M
- Average interest-bearing deposits
- $223.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31539
- Fed RSSD
- 87476
- Website
- www.wilmingtonsavings.com →
Asset Quality
Balance Sheet
Income Statement
Operating & Funding
Watch The Wilmington Savings Bank: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, The Wilmington Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, The Wilmington Savings Bank's total assets ranged from $207.0M (Q1 2024) to $268.0M (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$268.0M total assets against $258.8M; $229.4M total liabilities against $221.6M.
$205.0M net loans and leases against $186.4M; $228.2M total deposits against $220.6M.
$31.1M securities against $33.4M; $20.2M cash and balances due against $28.8M.
$3.1M total interest income against $2.6M; $1.4M total interest expense against $1.4M.
$1.7M net interest income against $1.2M.
$259K total noninterest income against $399K; $1.4M total noninterest expense against $1.1M.
$0 provision for credit losses against $0.
$459K net income against $403K.
0.68% return on assets against 0.63%; 2.57% net interest margin against 1.96%.
14.73% tier 1 leverage ratio against 14.61%.
Inside the full The Wilmington Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Wilmington Savings Bank rankings
Its closest position to the top of a national ranking is 1,733 of 3,644, for Texas Ratio; its furthest is 3,044 of 3,627, for ROA.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 0.53% (Q1 2025) to 1.08% (Q4 2025) and its net interest margin ran from 1.96% (Q3 2025) to 2.57% (Q3 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 14.73% | 0.68% | 0.80% | 3.73% | 2.57% |
| Q2 2026 | 14.61% | 0.67% | 0.82% | 3.89% | 2.47% |
| Q1 2026 | 14.63% | 0.89% | 0.86% | 4.03% | 2.29% |
| Q4 2025 | 14.39% | 1.08% | 0.77% | 3.55% | 2.41% |
| Q3 2025 | 14.61% | 0.63% | 0.81% | 3.59% | 1.96% |
| Q2 2025 | 15.00% | 0.84% | 0.79% | 3.65% | 2.54% |
| Q1 2025 | 14.91% | 0.53% | 0.87% | 3.85% | 2.24% |
| Q4 2024 | 14.78% | 0.56% | 0.84% | 3.88% | 2.33% |
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Branch Network
View all 2 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 |
|---|---|---|---|
| The Wilmington Savings Bank | Wilmington , OH | 45177 | $203.0M |
| Wilmington Savings Bank Hillsboro Office | Hillsboro , OH | 45133 | $25.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (FDIC)
- December 22, 2014, FDIC: Cease and Desist / Consent Orders: The Wilmington Savings Bank
- October 26, 2011, FDIC: Cease and Desist / Consent Orders: THE WILMINGTON SAVINGS BANK
- September 2, 2011, FDIC: Assessment of Civil Money Penalty: THE WILMINTON SAVINGS BANK
- Period: Most recent institution action December 22, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 101 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, 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 The Wilmington Savings Bank
What are The Wilmington Savings Bank's total assets?
As of the Q3 2026 filing, The Wilmington Savings Bank reported total assets of $268.0 million in its FFIEC call report.
Where is The Wilmington Savings Bank headquartered?
It is headquartered in Wilmington, OH, United States.
When was The Wilmington Savings Bank founded?
It was established in 1890, per the FDIC institution directory.
Is The Wilmington Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #31539). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Wilmington Savings Bank?
The Wilmington Savings Bank's primary federal regulator is the FDIC.
How many branches does The Wilmington Savings Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Wilmington Savings Bank's Texas Ratio?
Its Texas Ratio is 3.73% in its Q3 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 nonperforming assets against the bank's capital and reserves.
What was The Wilmington Savings Bank previously called?
The charter now named The Wilmington Savings Bank has also operated as The Wilmington Savings Bank (1990), per FDIC structure-change records.
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