Wilmington Trust, N.A.
Capital moved notably last quarter — CET1 ratio of 273.94% was down 1753bps from the prior quarter. The bank currently ranks first on the US Banks with Highest CET1 Capital Ratio leaderboard. Operating from Wilmington, DE, Wilmington Trust, N.A. serves its local market as an FDIC-insured commercial bank, during the post-Riegle-Neal interstate-banking era. As of Q1 2026, the bank held approximately $760M in total assets and $5M in deposits. Profitability runs below industry average — 0.16% ROA, 0.18% ROE, with NIM at 5.62%. Capital is comfortably above regulatory minimums — CET1 ratio of 273.94% sits well above the 7% well-capitalized threshold. Credit metrics show stress — 6.58% NPLs and a 0.25% Texas Ratio above the 100% historical failure threshold. Its footprint covers 43 branches concentrated in Delaware.
Headquarters Profile
- Address
- 1100 N Market St, WILMINGTON, DE 19801
- County
- New Castle
- Metro Area
- BATAVIA, NY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- Fed District
- 2
- Established
- October 2, 1995
- Branches
- 43 domestic
- Employees (FTE)
- 909
- FDIC Cert
- 34069
- Fed RSSD
- 2265456
- Parent Holding Company
- M&T BANK CORPORATION (RSSD 1037003)
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Wilmington Trust, N.A. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
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Frequently asked about Wilmington Trust, N.A.
What are Wilmington Trust, N.A.'s total assets?
As of the Q1 2026 filing, Wilmington Trust, N.A. reported total assets of $759.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Wilmington Trust, N.A. headquartered?
Wilmington Trust, N.A. is headquartered in WILMINGTON, DE, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Wilmington Trust, N.A. founded?
Wilmington Trust, N.A. was established in 1995, per the FDIC institution directory.
Is Wilmington Trust, N.A. FDIC-insured?
Yes. Wilmington Trust, N.A. is an FDIC-insured commercial bank (FDIC Certificate #34069). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wilmington Trust, N.A.?
Wilmington Trust, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Wilmington Trust, N.A.'s CET1 capital ratio?
Wilmington Trust, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 273.94% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Wilmington Trust, N.A. operate?
Wilmington Trust, N.A. operates 43 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Wilmington Trust, N.A.'s Texas Ratio?
Wilmington Trust, N.A.'s Texas Ratio is 0.25% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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