BlastPoint's Banking Scorecard
Wilmington Savings Fund Society, FSB
Wilmington, DE
95 branches across PA · DE · NJ · FL · NV
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 4 in DE.
- Deposits +10.2% year over year ($19.3B on the books).
- Delinquency rate 0.57%.
- Return on assets 1.60%.
- Efficiency ratio 55.65% vs a 53.67% peer average.
- Loan-to-deposit ratio 68.99% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Wilmington Savings Fund Society, FSB has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.90% above tier average
- + ROA 0.21% above tier average
- + Delinquency Rate 0.44% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 1.98% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$22.6B
+9.1% YoY
+2.5% QoQ
|
-$21.0B |
$43.6B
-13.8% YoY
|
$72.9B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
45% |
| Total Loans ? |
$13.3B
+2.8% YoY
+1.3% QoQ
|
-$14.6B |
$28.0B
-8.6% YoY
|
$40.0B
+6.7% YoY
|
$3.2B
+9.4% YoY
|
40% |
| Total Deposits ? |
$19.3B
+10.2% YoY
+2.9% QoQ
|
-$16.1B |
$35.4B
-14.0% YoY
|
$56.7B
+1.8% YoY
|
$4.9B
+7.3% YoY
|
47% |
| Return on Assets ? |
1.60%
+14.3% YoY
-4.8% QoQ
|
+0.21% |
1.39%
+25.9% YoY
|
2.36%
-9.5% YoY
|
1.30%
+12.1% YoY
|
78% |
| Net Interest Margin ? |
3.95%
-0.6% YoY
+0.4% QoQ
|
+0.03% |
3.92%
+8.9% YoY
|
5.72%
+0.9% YoY
|
3.95%
+4.9% YoY
|
72% |
| Efficiency Ratio ? |
55.65%
-2.3% YoY
-0.0% QoQ
|
+1.98% |
53.67%
-1.9% YoY
|
53.04%
-0.1% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
0.57%
-42.0% YoY
-13.5% QoQ
|
-0.44% |
1.01%
-2.8% YoY
|
1.76%
+6.5% YoY
|
0.98%
+16.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
68.99%
-6.7% YoY
-1.6% QoQ
|
-13.62% |
82.61%
+3.1% YoY
|
80.57%
-7.4% YoY
|
79.03%
+2.3% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
36.48%
+19.8% YoY
+7.0% QoQ
|
+15.90% |
20.58%
+4.9% YoY
|
23.77%
-3.1% YoY
|
21.98%
-0.6% YoY
|
Top 2.2% in tier |
| Nonperforming Asset Ratio ? |
0.39%
-36.8% YoY
-13.0% QoQ
|
-0.34% |
0.73%
+5.8% YoY
|
0.52%
+1.1% YoY
|
0.69%
+15.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
13.77%
+5.1% YoY
-1.7% QoQ
|
-1.58% |
15.35%
-0.4% YoY
|
57.87%
+0.5% YoY
|
17.09%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.71%
-1.3% YoY
+99.0% QoQ
|
+0.21% |
0.50%
+10.5% YoY
|
2.79%
+1.3% YoY
|
0.66%
+5.2% YoY
|
Top 13.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
36.5%
+6.0pp YoY +2.4pp QoQ |
+15.4pp | 21.0% | 27.2% | 22.2% | 97% |
| Brokered Deposits | n/a | n/a | 9.2% | 18.6% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.8%
+1.0pp YoY +0.3pp QoQ |
-6.4pp | 17.2% | 8.9% | 12.5% | 29% |
| CRE |
55.2%
0.0pp YoY -0.8pp QoQ |
+13.2pp | 42.0% | 35.2% | 41.4% | 72% |
| 1-4 Family |
24.8%
+0.5pp YoY +0.8pp QoQ |
+1.7pp | 23.1% | 36.6% | 31.3% | 61% |
| Consumer |
1.2%
-1.1pp YoY -0.3pp QoQ |
-11.7pp | 12.9% | 37.2% | 5.0% | 43% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.8%
+0.7pp YoY -0.2pp QoQ |
-1.5pp | 15.3% | 52.4% | 19.7% | 64% |
| Leverage Ratio |
10.4%
+0.1pp YoY -0.2pp QoQ |
-0.1pp | 10.4% | 28.0% | 12.6% | 59% |
| Total Capital Ratio |
14.9%
+0.6pp YoY -0.3pp QoQ |
-1.6pp | 16.5% | 53.4% | 20.8% | 62% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
2,336
+23 (+1.0%) YoY +33 (+1.4%) QoQ |
-922 | 3,258 | 6,324 | 482 | 59% |
| Assets per Employee ($) |
$9.7M
+8.1% YoY +1.0% QoQ |
-$17.4M | $27.0M | $17.7M | $8.8M | 30% |
| Branch Count |
95
-1 (-1.0%) YoY 0 QoQ |
-43 | 137 | 249 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.4% | 0.9% | 0.4% | 55% |
| Nonaccrual |
0.5%
-0.3pp YoY -0.1pp QoQ |
-0.2pp | 0.7% | 1.3% | 1.0% | 40% |
| Allowance Coverage |
2.32x
+59.8% YoY +12.3% QoQ |
-0.49x | 2.81x | 2.44x | 20.23x | 68% |
| Net Charge-off Rate (YTD) |
0.1%
-0.5pp YoY +0.2pp QoQ |
-0.4pp | 0.4% | 1.5% | 0.2% | 23% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.2%
+1.7pp YoY -0.4pp QoQ |
+0.6pp | 12.6% | 13.0% | 11.6% | 69% |
| Cost of Funds (YTD) |
1.2%
-0.3pp YoY 0.0pp QoQ |
-0.7pp | 2.0% | 1.7% | 1.7% | 12% |
| Net Income ($, YTD) |
$175.8M
+21.5% YoY — QoQ |
-$121.0M | $296.8M | $432.8M | $40.4M | 53% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.