Wilmington Savings Fund Society, FSB: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Founded in 1832, Wilmington Savings Fund Society, FSB has grown into a regional commercial bank based in Wilmington, DE, in the Greater Philadelphia banking market. Wilmington Savings Fund Society's Q2 2026 balance sheet shows $22.6B in assets funded primarily by $19.3B in customer deposits. Profitability is strong, 1.50% ROA, paired with 12.79% ROE and a 3.94% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 13.77% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is solid, 1.07% nonperforming loans and a 8.56% Texas Ratio. Wilmington Savings Fund Society operates a 95-branch network.
As of June 30, 2026, Wilmington Savings Fund Society, FSB reported a CET1 capital ratio of 13.77%, a return on assets of 1.50%, a nonperforming-loan ratio of 1.07%, a Texas ratio of 8.56%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 500 Delaware Ave, Wilmington, DE 19801
- County
- New Castle
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 18, 1832
- Offices
- 95 domestic
- Employees (FTE)
- 2,336
- Domestic deposits
- $19.31B
- Allowance for credit losses
- $177.3M
- Net charge-offs (YTD)
- $3.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- February 6, 1958
- FDIC Cert
- 17838
- Fed RSSD
- 437914
- SEC CIK
- 828944 → filed by WSFS FINANCIAL CORPORATION
- Website
- www.wsfsbank.com →
- Parent Holding Company
- WSFS FINANCIAL CORPORATION (RSSD 3844269) · WSFS
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Levenson Rodger | CEO | President & CEO |
| Burg David | CFO | Executive Vice President, CFO |
| Bacci Arthur J | COO | EVP, COO |
| Matyger Allan Michael Junior | CIO | EVP and CIO |
| Davis Christine Elizabeth | CRO | EVP, Chief Risk Officer |
| Brubaker Lisa M | CTO | EVP, Chief Technology Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Wilmington Savings Fund Society, FSB terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Wilmington Savings Fund Society, FSB, 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Wilmington Savings Fund Society, FSB rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Wilmington Savings Fund Society, FSB: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.77% | 1.50% | 1.07% | 8.56% | 3.94% |
| Q1 2026 | 14.01% | 1.64% | 1.21% | 9.55% | 3.86% |
| Q4 2025 | 14.06% | 1.39% | 1.08% | 8.43% | 3.93% |
| Q3 2025 | 13.76% | 1.44% | 1.38% | 10.44% | 4.00% |
| Q2 2025 | 13.11% | 1.41% | 1.65% | 13.83% | 3.93% |
| Q1 2025 | 14.12% | 1.32% | 1.63% | 12.30% | 3.90% |
| Q4 2024 | 13.88% | 1.23% | 1.64% | 12.80% | 3.91% |
| Q3 2024 | 13.46% | 1.23% | 1.58% | 13.06% | 3.89% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 94 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Wilmington Savings Fund Society, FSB (main office) | Wilmington , DE | 19801 | $4.67B |
| Bank Place Branch | Philadelphia , PA | 19103 | $1.48B |
| Dover Mart Branch | Dover , DE | 19901 | $404.5M |
| Lantana Branch | Hockessin , DE | 19707 | $341.2M |
| Springfield Branch | Springfield , PA | 19064 | $331.7M |
| Greenville Branch | Wilmington , DE | 19807 | $331.2M |
| Brandywine Branch | Wilmington , DE | 19803 | $327.3M |
| Bryn Mawr Trust Company Branch | Bryn Mawr , PA | 19010 | $313.7M |
| Fox Run Branch | Bear , DE | 19701 | $308.0M |
| Midway Branch | Wilmington , DE | 19808 | $289.7M |
| Havertown Branch | Havertown , PA | 19083 | $259.2M |
| Broomall Branch | Broomall , PA | 19008 | $249.2M |
| Middletown Branch | Middletown , DE | 19709 | $231.1M |
| Airport Plaza Branch | New Castle , DE | 19720 | $225.5M |
| Fairfax Branch | Wilmington , DE | 19803 | $222.3M |
| Wayne Branch | Wayne , PA | 19087 | $220.7M |
| Blue Bell Branch | Blue Bell , PA | 19422 | $207.6M |
| Prices Corner Branch | Wilmington , DE | 19808 | $205.9M |
| Rehoboth Beach Branch | Rehoboth Beach , DE | 19971 | $205.7M |
| Kennett Square Branch | Kennett Square , PA | 19348 | $204.8M |
| Delran Branch | Delran , NJ | 08075 | $204.0M |
| King of Prussia Branch | King Of Prussia , PA | 19406 | $201.5M |
| Lumberton Branch | Lumberton , NJ | 08048 | $198.4M |
| Newtown Square Branch | Newtown Square , PA | 19073 | $196.0M |
| Paoli Branch | Paoli , PA | 19301 | $191.6M |
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 |
|---|---|---|---|
| January 1, 2022 | M&A | merger | SEC |
| January 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2022 | Structure Change | Acquired The Bryn Mawr Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2019 | M&A | merger | SEC |
| March 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2019 | Structure Change | Acquired Beneficial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 13, 2016 | M&A | merger | SEC |
| August 13, 2016 | Structure Change | Acquired Penn Liberty Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 12, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 10, 2015 | M&A | merger | SEC |
| October 10, 2015 | Structure Change | Acquired Greater Delaware Valley Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 9, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 6, 2014 | M&A | merger | SEC |
| September 6, 2014 | Structure Change | Acquired The First National Bank of Wyoming Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 5, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 4, 2010 | M&A | merger | SEC |
| December 4, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 4, 2010 | Structure Change | Acquired The Christiana Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 22, 1995 | M&A | merger | SEC |
| November 22, 1995 | Structure Change | Acquired Fidelity Federal Savings & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 17, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 18, 1981 | M&A | failure_government_assistance_provided | SEC |
| July 18, 1981 | Structure Change | Acquired Peoples Savings & Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 23 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Wilmington Savings Fund Society, FSB, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC); 1 against individuals associated with it
- June 13, 2019, OCC: Civil Money Penalty (CMP): Wilmington Savings Fund Society, Federal Savings Bank
- Period: Most recent institution action June 13, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.7% of deposits in DE, rank 6 of 36 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 5,674 applications, 3,884 loans originated, $1.19B originated, across 46 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 105 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Wilmington Savings Fund Society, FSB
What are Wilmington Savings Fund Society, FSB's total assets?
As of the Q2 2026 filing, Wilmington Savings Fund Society, FSB reported total assets of $22.57 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Wilmington Savings Fund Society, FSB headquartered?
Wilmington Savings Fund Society, FSB is headquartered in Wilmington, DE, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Wilmington Savings Fund Society, FSB founded?
Wilmington Savings Fund Society, FSB was established in 1832, per the FDIC institution directory.
Is Wilmington Savings Fund Society, FSB FDIC-insured?
Yes. Wilmington Savings Fund Society, FSB is an FDIC-insured commercial bank (FDIC Certificate #17838). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wilmington Savings Fund Society, FSB?
Wilmington Savings Fund Society, FSB'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 Savings Fund Society, FSB's CET1 capital ratio?
Wilmington Savings Fund Society, FSB reported a Common Equity Tier 1 (CET1) capital ratio of 13.77% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Wilmington Savings Fund Society, FSB operate?
Wilmington Savings Fund Society, FSB operates 95 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wilmington Savings Fund Society, FSB's Texas Ratio?
Wilmington Savings Fund Society, FSB's Texas Ratio is 8.56% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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