The Wilmington Savings Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
On its Q3 2026 filing, The Wilmington Savings Bank reported 20 of the 23 line items on this page. It elected the community bank leverage ratio, so it files no CET1 capital ratio, tier 1 risk-based capital ratio and total risk-based capital ratio; the Tier 1 leverage ratio is its capital test. Tier 1 leverage ratio was 14.73% in Q3 2026, up 0.12 percentage points from 14.61% in Q3 2025. Across the 12 quarters shown it ranged from 14.39% (Q4 2025) to 16.99% (Q4 2023).
The standout move of Q3 2026 was in Reserve coverage of nonperforming loans: 16.44 percentage points higher than in Q2 2026, at 390.01%. The Wilmington Savings Bank ranks 112th of 154 Ohio banks on return on assets, in the lower half at 0.68% (Q3 2026). The Wilmington Savings Bank reported 0.68% on return on assets for Q3 2026, 0.59 points below the 1.27% median for banks in the $100M-1B asset tier.
Capital adequacy
Tier 1 leverage ratio moved most in this table, up 0.12 points: 14.61% in Q2 2026, 14.73% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | Not applicable (CBLR) |
| Tier 1 risk-based capital ratio | Not applicable (CBLR) |
| Total risk-based capital ratio | Not applicable (CBLR) |
| Tier 1 leverage ratio | 14.73% |
| Equity capital to assets | 14.40% |
| Tangible equity to tangible assets | 14.40% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies. What the community bank leverage ratio is.
Source: Call Report Schedule RC-R, Part I: Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.80% |
| Nonperforming assets ratio | 0.63% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.73% |
| Allowance for credit losses to loans | 3.10% |
| Reserve coverage of nonperforming loans | 390.01% |
Earnings
Efficiency ratio changed the most here, up 2.60 points to 70.59% in Q3 2026 from 67.99% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 0.68% |
| Return on equity | 4.76% |
| Net interest margin | 2.57% |
| Efficiency ratio | 70.59% |
| Yield on earning assets | 4.70% |
| Cost of funds | 2.39% |
Liquidity and funding
Loan-to-deposit ratio changed the most here, down 1.01 points to 92.72% in Q3 2026 from 93.73% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 92.72% |
| Core deposits to total deposits | 86.31% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.13% |
| Securities to assets | 11.59% |
Vital Signs trend
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 16.99% | 0.14% | 1.66% | 0.93% | 0.01% |
| Q1 2024 | 16.80% | 0.05% | 1.67% | 0.88% | 0.00% |
| Q2 2024 | 16.19% | 0.03% | 1.52% | 0.82% | 0.00% |
| Q3 2024 | 14.71% | 0.38% | 1.95% | 0.66% | 0.00% |
| Q4 2024 | 14.78% | 0.56% | 2.33% | 0.84% | 0.00% |
| Q1 2025 | 14.91% | 0.53% | 2.24% | 0.87% | 0.03% |
| Q2 2025 | 15.00% | 0.84% | 2.54% | 0.79% | 0.00% |
| Q3 2025 | 14.61% | 0.63% | 1.96% | 0.81% | 0.00% |
| Q4 2025 | 14.39% | 1.08% | 2.41% | 0.77% | 0.00% |
| Q1 2026 | 14.63% | 0.89% | 2.29% | 0.86% | 0.00% |
| Q2 2026 | 14.61% | 0.67% | 2.47% | 0.82% | 0.00% |
| Q3 2026 | 14.73% | 0.68% | 2.57% | 0.80% | 0.00% |
The Wilmington Savings Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full The Wilmington Savings Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 31539) · FFIEC NIC profile (RSSD 87476)