Wilmington Savings Fund Society, FSB: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Equity capital to total assets fell 0.37 percentage points in Q2 2026 to 11.71%, the biggest move on this page. Within Delaware, Wilmington Savings Fund Society, FSB is 10th of 14 on CET1 ratio, 13.77% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Wilmington Savings Fund Society, FSB sits 0.82 points higher, at 13.77% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.77% |
| Tier 1 risk-based capital ratio | 13.77% |
| Total risk-based capital ratio | 14.94% |
| Tier 1 leverage ratio | 10.36% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $2.25B |
| Tier 1 capital | $2.25B |
| Total risk-based capital | $2.44B |
| Total equity capital | $2.64B |
| Risk-weighted assets | $16.34B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.71% |
| Tangible equity to tangible assets | 8.12% |
| Equity capital to average assets | 11.71% |
| Internal capital growth rate | -0.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $2.40B |
| Retained earnings | $707.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$466.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.26% | 13.26% | 14.43% | 10.72% | $16.03B |
| Q4 2023 | 13.72% | 13.72% | 14.96% | 10.92% | $15.92B |
| Q1 2024 | 14.00% | 14.00% | 15.25% | 11.14% | $16.10B |
| Q2 2024 | 13.07% | 13.07% | 14.32% | 10.44% | $16.30B |
| Q3 2024 | 13.46% | 13.46% | 14.71% | 10.68% | $16.33B |
| Q4 2024 | 13.88% | 13.88% | 15.13% | 11.03% | $16.33B |
| Q1 2025 | 14.12% | 14.12% | 15.36% | 11.19% | $16.07B |
| Q2 2025 | 13.11% | 13.11% | 14.35% | 10.29% | $16.02B |
| Q3 2025 | 13.76% | 13.76% | 15.00% | 10.62% | $15.85B |
| Q4 2025 | 14.06% | 14.06% | 15.25% | 10.69% | $16.07B |
| Q1 2026 | 14.01% | 14.01% | 15.21% | 10.58% | $16.07B |
| Q2 2026 | 13.77% | 13.77% | 14.94% | 10.36% | $16.34B |
Wilmington Savings Fund Society, FSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Wilmington Savings Fund Society, FSB, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Wilmington Savings Fund Society, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17838) · FFIEC NIC profile (RSSD 437914)