Wilmington Savings Fund Society, FSB: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 53.5% lower than in Q1 2026, at $33.9M. Within Delaware, Wilmington Savings Fund Society, FSB is 9th of 17 on loan-to-deposit ratio, 69.90% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Wilmington Savings Fund Society, FSB sits 16.93 points lower, at 69.90% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $13.50B |
| Net loans and leases | $13.32B |
| Loans held for sale | $33.9M |
| Loans to total assets | 59.83% |
| Loan-to-deposit ratio | 69.90% |
| Net loans to equity capital | 5.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.35% |
| Multifamily (5+ residential) | 8.75% |
| Commercial and industrial | 10.60% |
| Consumer | 1.14% |
| Credit cards | 0.01% |
| Farm | 0.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 227.02% |
| Construction concentration (Tier 1 capital + allowance) | 40.76% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $195.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $12.72B | $16.22B | 39.67% | 13.36% | 3.70% |
| Q4 2023 | $12.80B | $16.71B | 38.86% | 13.06% | 3.61% |
| Q1 2024 | $13.01B | $16.39B | 38.49% | 13.03% | 3.47% |
| Q2 2024 | $13.20B | $16.65B | 39.17% | 12.75% | 3.23% |
| Q3 2024 | $13.36B | $16.77B | 39.50% | 12.39% | 2.83% |
| Q4 2024 | $13.24B | $17.34B | 39.58% | 9.46% | 2.63% |
| Q1 2025 | $13.16B | $17.13B | 39.63% | 9.58% | 2.45% |
| Q2 2025 | $13.15B | $17.53B | 39.90% | 9.63% | 2.25% |
| Q3 2025 | $13.02B | $17.59B | 39.56% | 9.33% | 1.55% |
| Q4 2025 | $13.32B | $17.93B | 39.09% | 10.00% | 1.55% |
| Q1 2026 | $13.33B | $18.77B | 38.55% | 10.32% | 1.42% |
| Q2 2026 | $13.50B | $19.31B | 38.35% | 10.60% | 1.14% |
Wilmington Savings Fund Society, FSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wilmington Savings Fund Society, FSB, freeSource: Call Report Schedule RC-C, 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)