Wilmington Savings Fund Society, FSB
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Data as of · sourced from FFIEC call reports. How we update
Wilmington Savings Fund Society, FSB is an FDIC-insured savings institution headquartered in Wilmington, DE, established in 1832 (FDIC certificate 17838), and it is supervised by the OCC. At Q2 2026 it reported total assets of $22.57B, up 9.1% from Q2 2025, the 6th largest of 16 banks headquartered in Delaware. Its CET1 capital ratio was 13.77% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 17838
- Headquarters
- Wilmington, DE
- Established
- 1832
- Total assets, Q2 2026
- $22.57B
- Assets vs Q2 2025
- +9.1%
- CET1 ratio, Q2 2026
- 13.77%
- Domestic offices
- 95 FDIC institution directory, current count
- Routing number
- 031100102
- Latest call report
- Q2 2026, FFIEC 041 · Wilmington Savings Fund Society, FSB call report
- Holding company
- WSFS FINANCIAL CORPORATION
- Asset rank in state
- 6th of 16 in Delaware
Wilmington Savings Fund Society, FSB, based in Wilmington, Delaware, reported $22.6 billion in assets at June 30, 2026, up 9.1% from a year earlier. It pays an average of 1.26% on its deposits and borrowings, lower than about three-quarters of the 127 banks with $10 billion to $100 billion in assets (median 1.92%). It also grew its loan book 2.7% over the year, about a third the median of 6.3% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 2.7% and deposits rose 10.2%. Paper losses on its bond portfolio are shrinking: unrealized losses of $616 million equal 27% of Tier 1 capital, down from 33% a year earlier.
As of June 30, 2026, Wilmington Savings Fund Society, FSB reported a CET1 capital ratio of 13.77%, a return on assets of 1.50%, a nonperforming-loan ratio of 0.57% and a Texas ratio of 4.22%. The figures come from its call report filed with the FFIEC.
Wilmington Savings Fund Society, FSB ranks as the 6th largest of the 16 banks based in Delaware, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.5% to $22.57B, loans rose 1.3% and deposits rose 2.9%. Non-owner-occupied commercial real estate loans made up 24.6% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 24.5%. The FDIC Summary of Deposits lists 94 offices for it, in 67 cities across 5 states; its Wilmington 9 offices book 32% of its branch deposits. By the capital ratios in its Q2 2026 call report, Wilmington Savings Fund Society, FSB meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 500 Delaware Ave, Wilmington, DE 19801
- County
- New Castle
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 18, 1832
- Domestic offices
- 95 FDIC institution directory, current count
- Employees (FTE)
- 2,336
- Domestic deposits
- $19.31B
- Allowance for credit losses
- $177.3M
- Net charge-offs (YTD)
- $3.7M
- Average total assets
- $22.58B
- Average total loans
- $12.81B
- Average interest-bearing deposits
- $12.47B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- February 6, 1958
- FDIC Cert
- 17838
- Fed RSSD
- 437914
- SEC CIK
- 828944 → filed by WSFS FINANCIAL CORPORATION
- Website
- www.wsfsbank.com →
- Parent Holding Company
- WSFS FINANCIAL CORPORATION (RSSD 3844269) · WSFS
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Rodger Levenson | CEO | President & CEO |
| David Burg | CFO | Executive Vice President, CFO |
| Arthur J Bacci | COO | EVP, COO |
| Matyger Allan Michael Junior | CIO | EVP and CIO |
| Davis Christine Elizabeth | CRO | EVP, Chief Risk Officer |
| Lisa M Brubaker | CTO | EVP, Chief Technology Officer |
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, Wilmington Savings Fund Society, FSB's total assets ranged from $19.94B (Q3 2023) to $22.57B (Q2 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
$22.57B total assets against $20.68B; $19.93B total liabilities against $18.24B.
$13.32B net loans and leases against $12.97B; $19.31B total deposits against $17.53B.
$4.78B securities against $4.49B; $2.57B cash and balances due against $1.33B.
$256.8M total interest income against $253.2M; $60.5M total interest expense against $71.4M.
$196.3M net interest income against $181.8M.
$81.2M total noninterest income against $75.8M; $157.6M total noninterest expense against $152.1M.
$5.2M provision for credit losses against $8.8M.
$84.8M net income against $75.0M.
1.50% return on assets against 1.41%; 3.94% net interest margin against 3.93%.
13.77% CET1 capital ratio against 13.11%; 10.36% tier 1 leverage ratio against 10.29%.
Inside the full Wilmington Savings Fund Society, FSB 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Wilmington Savings Fund Society, FSB rankings
Its closest position to the top of a national ranking is 94 of 4,196, for total assets; its furthest is 1,171 of 2,134, for CET1 ratio.
Metric pages for Wilmington Savings Fund Society, FSB: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.23% (Q3 2024) to 1.64% (Q1 2026) and its net interest margin ran from 3.86% (Q1 2026) to 4.00% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.77% | 1.50% | 0.57% | 4.22% | 3.94% |
| Q1 2026 | 14.01% | 1.64% | 0.65% | 4.62% | 3.86% |
| Q4 2025 | 14.06% | 1.39% | 0.71% | 4.30% | 3.93% |
| Q3 2025 | 13.76% | 1.44% | 0.66% | 4.13% | 4.00% |
| Q2 2025 | 13.11% | 1.41% | 0.98% | 6.76% | 3.93% |
| Q1 2025 | 14.12% | 1.32% | 0.94% | 6.32% | 3.90% |
| Q4 2024 | 13.88% | 1.23% | 0.99% | 7.22% | 3.91% |
| Q3 2024 | 13.46% | 1.23% | 0.91% | 6.26% | 3.89% |
Swipe the table sideways to see every column.
Branch Network
View all 94 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 |
|---|---|---|---|
| Wilmington Savings Fund Society, FSB (main office) | Wilmington , DE | 19801 | $4.67B |
| Bank Place Branch | Philadelphia , PA | 19103 | $1.48B |
| Dover Mart Branch | Dover , DE | 19901 | $404.5M |
| Lantana Branch | Hockessin , DE | 19707 | $341.2M |
| Springfield Branch | Springfield , PA | 19064 | $331.7M |
| Greenville Branch | Wilmington , DE | 19807 | $331.2M |
| Brandywine Branch | Wilmington , DE | 19803 | $327.3M |
| Bryn Mawr Trust Company Branch | Bryn Mawr , PA | 19010 | $313.7M |
| Fox Run Branch | Bear , DE | 19701 | $308.0M |
| Midway Branch | Wilmington , DE | 19808 | $289.7M |
| Havertown Branch | Havertown , PA | 19083 | $259.2M |
| Broomall Branch | Broomall , PA | 19008 | $249.2M |
| Middletown Branch | Middletown , DE | 19709 | $231.1M |
| Airport Plaza Branch | New Castle , DE | 19720 | $225.5M |
| Fairfax Branch | Wilmington , DE | 19803 | $222.3M |
| Wayne Branch | Wayne , PA | 19087 | $220.7M |
| Blue Bell Branch | Blue Bell , PA | 19422 | $207.6M |
| Prices Corner Branch | Wilmington , DE | 19808 | $205.9M |
| Rehoboth Beach Branch | Rehoboth Beach , DE | 19971 | $205.7M |
| Kennett Square Branch | Kennett Square , PA | 19348 | $204.8M |
| Delran Branch | Delran , NJ | 08075 | $204.0M |
| King of Prussia Branch | King Of Prussia , PA | 19406 | $201.5M |
| Lumberton Branch | Lumberton , NJ | 08048 | $198.4M |
| Newtown Square Branch | Newtown Square , PA | 19073 | $196.0M |
| Paoli Branch | Paoli , PA | 19301 | $191.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2022 | M&A | Acquired The Bryn Mawr Trust Company merger for the acquired bank | SEC |
| January 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2022 | Structure Change | Acquired The Bryn Mawr Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2019 | M&A | Acquired Beneficial Bank merger for the acquired bank | SEC |
| March 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2019 | Structure Change | Acquired Beneficial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 13, 2016 | M&A | Acquired Penn Liberty Bank merger for the acquired bank | SEC |
| August 13, 2016 | Structure Change | Acquired Penn Liberty Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 12, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 10, 2015 | M&A | Acquired Greater Delaware Valley Savings Bank merger for the acquired bank | SEC |
| October 10, 2015 | Structure Change | Acquired Greater Delaware Valley Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 9, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 6, 2014 | Structure Change | Acquired The First National Bank of Wyoming Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 6, 2014 | M&A | Acquired The First National Bank of Wyoming merger for the acquired bank | SEC |
| September 5, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 4, 2010 | Structure Change | Acquired The Christiana Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 4, 2010 | M&A | Acquired The Christiana Bank and Trust Company merger for the acquired bank | SEC |
| December 4, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 22, 1995 | M&A | Acquired Fidelity Federal Savings & Loan Association merger for the acquired bank | SEC |
| November 22, 1995 | Structure Change | Acquired Fidelity Federal Savings & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 17, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 18, 1981 | M&A | Acquired Peoples Savings & Loan Association failure_government_assistance_provided for the acquired bank | SEC |
| July 18, 1981 | Structure Change | Acquired Peoples Savings & Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 23 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 1 against individuals associated with it
- June 13, 2019, OCC: Civil Money Penalty (CMP): Wilmington Savings Fund Society, Federal Savings Bank
- Period: Most recent institution action June 13, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.7% of deposits in DE, rank 6 of 31 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 5,674 applications, 3,884 loans originated, $1.19B originated, across 46 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 124 loans, $103.9M approved, $838K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 106 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- 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 Wilmington Savings Fund Society, FSB
What are Wilmington Savings Fund Society, FSB's total assets?
As of the Q2 2026 filing, Wilmington Savings Fund Society, FSB reported total assets of $22.57 billion in its FFIEC call report.
Where is Wilmington Savings Fund Society, FSB headquartered?
It is headquartered in Wilmington, DE, United States.
When was Wilmington Savings Fund Society, FSB founded?
It was established in 1832, per the FDIC institution directory.
Is Wilmington Savings Fund Society, FSB FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #17838). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wilmington Savings Fund Society, FSB?
Wilmington Savings Fund Society, FSB's primary federal regulator is the OCC.
What is Wilmington Savings Fund Society, FSB's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.77% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Wilmington Savings Fund Society, FSB operate?
It operates 95 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wilmington Savings Fund Society, FSB's Texas Ratio?
Its Texas Ratio is 4.22% 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.
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