Wilmington Trust, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Wilmington Trust, N.A. is a locally rooted FDIC-insured community bank based in Wilmington, DE. Total assets stand at $772M. Returns are notably above industry norms: 3.33% ROA, 3.86% ROE, and 5.63% NIM. A CET1 ratio of 274.44% reflects a balance sheet with almost no risk-weighted lending, typical of a trust or nondepository charter; it is not comparable with commercial bank capital levels. Credit metrics show stress, 6.86% NPLs and a 0.24% Texas Ratio above the 100% historical failure threshold. Wilmington Trust operates a 41-branch network.
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%, a Texas ratio of 0.24%, per financial data filed with the FFIEC.
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
- Offices
- 41 domestic
- 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 |
|---|---|---|
| Jones Rene F | CEO | Chairman of the Board and CEO |
| Bible Daryl N. | CFO | Sr. EVP & CFO |
| O'Hara Laura P. | GC | Sr. EVP & Chief Legal 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 Trust, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Wilmington Trust, N.A., 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.
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%. BankRegReports band vs the 0.5–1.5% industry norm.
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
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.
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 | 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
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 41 branches →
| 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
What the public regulatory sources show for Wilmington Trust, N.A., 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
- 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 36 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 1,439 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 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. 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 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?
Wilmington Trust, N.A. operates 41 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?
Wilmington Trust, N.A.'s Texas Ratio is 0.24% 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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