Wilmington Trust, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Wilmington Trust, N.A. is an FDIC-insured commercial bank headquartered in Wilmington, DE, established in 1995 (FDIC certificate 34069), and it is supervised by the OCC. At Q2 2026 it reported total assets of $772.1M, up 5.1% from Q2 2025, the 7th largest of 16 banks headquartered in Delaware.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34069
- Headquarters
- Wilmington, DE
- Established
- 1995
- Total assets, Q2 2026
- $772.1M
- Assets vs Q2 2025
- +5.1%
- Capital ratio
- Not reported
- Domestic offices
- 38 FDIC institution directory, current count
- Routing number
- 022313005
- Latest call report
- Q2 2026, FFIEC 041 · Wilmington Trust, N.A. call report
- Holding company
- M&T BANK CORPORATION
- Asset rank in state
- 7th of 16 in Delaware
Problem loans are rising at Wilmington Trust, N.A.. The Wilmington, Delaware bank had $772 million in assets at June 30, 2026, up 5.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 6.86% of loans from 4.84% a year earlier. It earns about $3.33 a year on every $100 of assets, 2.6 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it spends about 92 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $6.5 million was 61% below a year earlier. Over the same year, loans shrank 21.2% and deposits shrank 8.2%.
As of June 30, 2026, Wilmington Trust, N.A. reported a CET1 capital ratio of 274.44%, a return on assets of 3.33%, a nonperforming-loan ratio of 6.86% and a Texas ratio of 0.24%. The figures come from its call report filed with the FFIEC.
Wilmington Trust, N.A. ranks as the 7th largest of the 16 banks based in Delaware, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.7% to $772.1M, loans fell 6.3% and deposits fell 1.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 100.0% of total loans. The FDIC Summary of Deposits lists 41 offices for it, in 39 cities across 17 states; its Oakfield office books 100% of its branch deposits. Judged on its Q2 2026 call report, Wilmington Trust, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1100 N Market St, Wilmington, DE 19801
- County
- New Castle
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- October 2, 1995
- Domestic offices
- 38 FDIC institution directory, current count
- Employees (FTE)
- 921
- Domestic deposits
- $4.9M
- Allowance for credit losses
- $357K
- Net charge-offs (YTD)
- -$35K
- Average total assets
- $784.0M
- Average total loans
- $24.5M
- Average interest-bearing deposits
- $4.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 2, 1995
- FDIC Cert
- 34069
- Fed RSSD
- 2265456
- SEC CIK
- 36270 → filed by M&T BANK CORPORATION
- Website
- http://www.wilmingtontrust.com →
- Parent Holding Company
- M&T BANK CORPORATION (RSSD 1037003) · MTB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Rene F Jones | CEO | Chairman of the Board and CEO |
| Daryl N. Bible | CFO | Sr. EVP & CFO |
| Laura P. O'Hara | GC | Sr. EVP & Chief Legal 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
Wilmington Trust, N.A.'s total assets moved between a low of $671.6M (Q3 2023) and a high of $781.2M (Q3 2025) from Q3 2023 to 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
$772.1M total assets against $734.5M; $90.9M total liabilities against $100.8M.
$23.4M net loans and leases against $29.5M; $4.9M total deposits against $5.4M.
$1.1M securities against $1.1M; $647.6M cash and balances due against $612.1M.
$518K total interest income against $633K; $4K total interest expense against $4K.
$514K net interest income against $629K.
$113.7M total noninterest income against $111.1M; $104.8M total noninterest expense against $87.6M.
$0 provision for credit losses against $0.
$6.5M net income against $16.9M.
3.33% return on assets against 9.31%; 5.63% net interest margin against 5.87%.
274.44% CET1 capital ratio against 281.66%; 86.89% tier 1 leverage ratio against 87.44%.
Inside the full Wilmington Trust, N.A. 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Wilmington Trust, N.A. rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.16% (Q1 2026) to 16.29% (Q3 2025) and its net interest margin ran from 5.62% (Q1 2026) to 6.34% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 274.44% | 3.33% | 6.86% | 0.24% | 5.63% |
| Q1 2026 | 273.94% | 0.16% | 6.58% | 0.25% | 5.62% |
| Q4 2025 | 291.46% | 1.43% | 6.12% | 0.25% | 5.79% |
| Q3 2025 | 287.04% | 16.29% | 5.66% | 0.24% | 6.04% |
| Q2 2025 | 281.66% | 9.31% | 4.84% | 0.23% | 5.87% |
| Q1 2025 | 265.86% | 5.04% | 5.20% | 0.27% | 5.88% |
| Q4 2024 | 269.64% | 6.57% | 4.96% | 0.34% | 6.15% |
| Q3 2024 | 275.18% | 6.99% | 4.53% | 0.32% | 6.34% |
Swipe the table sideways to see every column.
Branch Network
View all 41 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 |
|---|---|---|---|
| Oakfield Branch | Oakfield , NY | 14125 | $4.9M |
| Wilmington Trust, N.A. (main office) | Wilmington , DE | 19801 | $9K |
| 1350 I Street Office | Washington , DC | 20005 | $0 |
| 1650 Market Street Office | Philadelphia , PA | 19103 | $0 |
| 2003 South Easton Road Office | Doylestown , PA | 18901 | $0 |
| Atlanta Office | Atlanta , GA | 30305 | $0 |
| Birmingham Office | Birmingham , MI | 48009 | $0 |
| Boston Office | Boston , MA | 02210 | $0 |
| Burlington Office | Burlington , VT | 05401 | $0 |
| Charleston Office Branch | North Charleston , SC | 29405 | $0 |
| Vero Beach Branch | Vero Beach , FL | 32963 | $0 |
| Costa Mesa Office | Costa Mesa , CA | 92626 | $0 |
| Guilford Office | Guilford , CT | 06437 | $0 |
| Las Vegas Office | Las Vegas , NV | 89169 | $0 |
| Los Angeles Office | Los Angeles , CA | 90067 | $0 |
| Minneapolis Branch | Minneapolis , MN | 55402 | $0 |
| 277 Park Avenue Branch | New York , NY | 10022 | $0 |
| North Palm Beach Office | North Palm Beach , FL | 33408 | $0 |
| Lehigh Valley Office | Bethlehem , PA | 18017 | $0 |
| Palm Beach Office | Palm Beach , FL | 33480 | $0 |
| Phoenix Office | Phoenix , AZ | 85004 | $0 |
| Princeton Office | Princeton , NJ | 08540 | $0 |
| Soho Office | New York , NY | 10012 | $0 |
| Villanova Office | Villanova , PA | 19085 | $0 |
| West Chester Office | West Chester , PA | 19380 | $0 |
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 |
|---|---|---|---|
| September 2, 2016 | Structure Change | Acquired Wilmington Trust Fiduciary Services Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2015 | Structure Change | Acquired Wilmington Trust Retirement and Institutional Services Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2011 | Structure Change | Acquired Wilmington Trust, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (Federal Reserve); 6 against individuals associated with it
- October 14, 2020, Federal Reserve: Civil Money Penalty: M&T Bank, Buffalo, NY
- June 17, 2013, Federal Reserve: Written Agreement: M&T Bank Corporation and Manufacturers & Traders Trust Company, both of Buffalo, New York
- Period: Most recent institution action October 14, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in DE, rank 31 of 31 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.5M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 1,460 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
- Mortgage lending (HMDA), 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 Trust, N.A.
What are Wilmington Trust, N.A.'s total assets?
As of the Q2 2026 filing, Wilmington Trust, N.A. reported total assets of $772.1 million in its FFIEC call report.
Where is Wilmington Trust, N.A. headquartered?
It is headquartered in Wilmington, DE, United States.
When was Wilmington Trust, N.A. founded?
It was established in 1995, per the FDIC institution directory.
Is Wilmington Trust, N.A. FDIC-insured?
Yes. It 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.
What is Wilmington Trust, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 274.44% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Wilmington Trust, N.A. operate?
It operates 38 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wilmington Trust, N.A.'s Texas Ratio?
Its Texas Ratio is 0.24% 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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