Wilmington Savings Fund Society, FSB: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 11.08 percentage points higher than in Q1 2026, at 122.20%. Within Delaware, Wilmington Savings Fund Society, FSB is 11th of 17 on return on assets, 1.50% as of Q2 2026, below the middle of the field. Wilmington Savings Fund Society, FSB reported 1.50% on return on assets for Q2 2026, 0.21 points above the 1.30% median for banks in the $10B-100B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.77% |
| Tier 1 risk-based capital ratio | 13.77% |
| Total risk-based capital ratio | 14.94% |
| Tier 1 leverage ratio | 10.36% |
| Equity capital to assets | 11.71% |
| Tangible equity to tangible assets | 8.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.07% |
| Non-performing assets ratio | 0.70% |
| Net charge-off ratio | 0.22% |
| Texas ratio | 8.56% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 122.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.50% |
| Return on equity | 12.79% |
| Net interest margin | 3.94% |
| Efficiency ratio | 55.47% |
| Yield on earning assets | 5.15% |
| Cost of funds | 1.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.90% |
| Core deposits to total deposits | 98.06% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.59% |
| Securities to assets | 21.20% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.26% | 13.26% | 14.43% | 10.72% | 1.45% |
| Q4 2023 | 13.72% | 13.72% | 14.96% | 10.92% | 1.07% |
| Q1 2024 | 14.00% | 14.00% | 15.25% | 11.14% | 1.27% |
| Q2 2024 | 13.07% | 13.07% | 14.32% | 10.44% | 1.43% |
| Q3 2024 | 13.46% | 13.46% | 14.71% | 10.68% | 1.23% |
| Q4 2024 | 13.88% | 13.88% | 15.13% | 11.03% | 1.23% |
| Q1 2025 | 14.12% | 14.12% | 15.36% | 11.19% | 1.32% |
| Q2 2025 | 13.11% | 13.11% | 14.35% | 10.29% | 1.41% |
| Q3 2025 | 13.76% | 13.76% | 15.00% | 10.62% | 1.44% |
| Q4 2025 | 14.06% | 14.06% | 15.25% | 10.69% | 1.39% |
| Q1 2026 | 14.01% | 14.01% | 15.21% | 10.58% | 1.64% |
| Q2 2026 | 13.77% | 13.77% | 14.94% | 10.36% | 1.50% |
Wilmington Savings Fund Society, FSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wilmington Savings Fund Society, FSB, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)