Bank Safety Analysis
Is The Wilmington Savings Bank Safe? Wilmington, Ohio
Based on its Q3 2026 call report, The Wilmington Savings Bank meets the community bank leverage ratio test for well capitalized, its Texas ratio is 3.73%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is The Wilmington Savings Bank safe?
On its Q3 2026 call report, The Wilmington Savings Bank's Community Bank Leverage Ratio is 14.73%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 14.73%
- Texas ratio (Q3 2026): 3.73%
- Noncurrent loans ratio (Q3 2026): 0.80%
The Wilmington Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #31539). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report The Wilmington Savings Bank (FDIC Certificate #31539) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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The Wilmington Savings Bank passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
The biggest quarter-over-quarter change on this page was a small one: net interest margin edged up 0.10 percentage points between Q2 2026 and Q3 2026, to 2.57%. The Wilmington Savings Bank ranks 29th of 154 Ohio banks on leverage ratio, in the upper half at 14.73% (Q3 2026). The Wilmington Savings Bank reported 14.73% on leverage ratio for Q3 2026, 3.65 points above the 11.09% median for banks in the $100M-1B asset tier.
From Q4 2023 to Q3 2026, The Wilmington Savings Bank's Texas ratio ranged between 2.93% (Q3 2024) and 4.16% (Q4 2023). Between Q3 2025 and Q3 2026, The Wilmington Savings Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.81% to 0.80%, Texas ratio rose from 3.59% to 3.73% and return on assets rose from 0.63% to 0.68%.
By total assets at Q3 2026, The Wilmington Savings Bank is the 85th largest of the 154 banks headquartered in Ohio. 1-4 family residential loans are its largest loan category, $154.0M of $211.6M in total loans on its September 30, 2026 call report. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, The Wilmington Savings Bank's community bank leverage ratio of 14.73% is above the 11.09% median, nonperforming loans ratio of 0.80% is above the 0.43% median, Texas ratio of 3.73% is above the 2.96% median, and efficiency ratio of 70.59% is above the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
The Wilmington Savings Bank's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does The Wilmington Savings Bank score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does The Wilmington Savings Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 3.73% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.80% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 92.72% | Within range |
| Commercial real estate to capital supervisory threshold | 88.94% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 3.73% |
| Q2 2026 | 3.89% |
| Q1 2026 | 4.03% |
| Q4 2025 | 3.55% |
| Q3 2025 | 3.59% |
| Q2 2025 | 3.65% |
| Q1 2025 | 3.85% |
| Q4 2024 | 3.88% |
| Q3 2024 | 2.93% |
| Q2 2024 | 3.82% |
| Q1 2024 | 4.02% |
| Q4 2023 | 4.16% |
Loans by type, Q3 2026
- 1-4 family residential loans: $154.0M
- Construction and land development loans: $16.0M
- Multifamily loans: $13.1M
- Non-owner-occupied commercial real estate loans: $12.0M
- Owner-occupied commercial real estate loans: $7.2M
- Commercial and industrial loans: $3.1M
- Other consumer loans: $2.0M
- Auto loans: $1.3M
How have The Wilmington Savings Bank's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $268.0M | 14.73% | 0.80% | 3.73% | 70.59% |
| Jun 30, 2026 | $267.3M | 14.61% | 0.82% | 3.89% | 67.99% |
| Mar 31, 2026 | $265.1M | 14.63% | 0.86% | 4.03% | 60.04% |
| Dec 31, 2025 | $266.8M | 14.39% | 0.77% | 3.55% | 56.80% |
| Sep 30, 2025 | $258.8M | 14.61% | 0.81% | 3.59% | 68.92% |
| Jun 30, 2025 | $251.1M | 15.00% | 0.79% | 3.65% | 63.93% |
| Mar 31, 2025 | $244.1M | 14.91% | 0.87% | 3.85% | 72.97% |
| Dec 31, 2024 | $243.5M | 14.78% | 0.84% | 3.88% | 71.96% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is The Wilmington Savings Bank FDIC insured?
Yes. The Wilmington Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #31539). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is The Wilmington Savings Bank well capitalized?
On its Q3 2026 call report, The Wilmington Savings Bank's Community Bank Leverage Ratio is 14.73%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are The Wilmington Savings Bank's key safety ratios?
For Q3 2026, The Wilmington Savings Bank reports leverage 14.73%, Texas ratio 3.73%, noncurrent loans 0.80%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if The Wilmington Savings Bank fails?
For Q3 2026, The Wilmington Savings Bank reported $228.2M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full The Wilmington Savings Bank profile.
How we score this
The Wilmington Savings Bank elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Every ratio The Wilmington Savings Bank is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 31539) · FFIEC NIC profile (RSSD 87476)
Explore: Full The Wilmington Savings Bank profile · Other banks in OH · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.