BlastPoint's Banking Scorecard

Wilmington Savings Fund Society, FSB

$10B-$250B Specialty: Commercial DE FDIC cert 17838

Wilmington, DE

95 branches across PA · DE · NJ · FL · NV

137 banks in the $10B-$250B peer group nationally 4 in DE

Wilmington Savings Fund Society, FSB has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 31.4% in tier
+ Profitability Leader: Top 34.3% in tier
+ Deposit Franchise: Top 60.0% in tier
+ Delinquency Rate 0.35% below tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 1.67% above tier average

Get updates when Wilmington Savings Fund Society, FSB releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Total Assets ?	$22.0B +7.6% YoY +3.8% QoQ	-$24.9B	$47.0B -1.9% YoY	$70.8B +0.0% YoY	$6.2B +9.1% YoY	42%
Total Loans ?	$13.2B +1.4% YoY +0.1% QoQ	-$16.2B	$29.4B -0.4% YoY	$38.8B +4.8% YoY	$3.2B +10.8% YoY	36%
Total Deposits ?	$18.8B +9.6% YoY +4.7% QoQ	-$19.6B	$38.4B -1.6% YoY	$56.2B +0.9% YoY	$4.8B +8.2% YoY	45%
Return on Assets ?	1.68% +24.4% YoY +17.4% QoQ	+0.40%	1.28% +18.7% YoY	2.25% -5.9% YoY	1.23% +13.4% YoY	83%
Net Interest Margin ?	3.94% -0.2% YoY -2.2% QoQ	+0.16%	3.77% +5.8% YoY	5.71% +1.4% YoY	3.89% +5.7% YoY	75%
Efficiency Ratio ?	55.67% -0.9% YoY -2.1% QoQ	+1.67%	54.01% -3.7% YoY	53.58% -1.6% YoY	66.95% -4.1% YoY	48%
Delinquency Rate ?	0.66% -30.4% YoY -7.7% QoQ	-0.35%	1.02% -3.8% YoY	1.76% +0.3% YoY	0.95% +18.8% YoY	54%
Loan-to-Deposit Ratio ?	70.07% -7.5% YoY -4.4% QoQ	-10.72%	80.79% +1.9% YoY	82.81% -6.4% YoY	76.70% +0.9% YoY	80%
Non-Interest-Bearing Deposit Share ?	34.10% +17.5% YoY +8.9% QoQ	+14.06%	20.04% +0.2% YoY	23.71% -4.5% YoY	22.01% -1.2% YoY	Top 5.1% in tier
Nonperforming Asset Ratio ?	0.45% -27.9% YoY +1.8% QoQ	-0.27%	0.72% +4.2% YoY	0.52% -2.0% YoY	0.67% +19.3% YoY	57%
Tier 1 Capital Ratio ?	14.01% -0.8% YoY -0.3% QoQ	-1.50%	15.51% -0.4% YoY	58.48% +5.2% YoY	17.06% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.35% +0.8% YoY -75.0% QoQ	+0.13%	0.22% +0.3% YoY	1.31% -6.4% YoY	0.32% +4.1% YoY	Top 13.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Revenue Diversifier

growth

#12 of 35 • Top 31.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.35%

(Tier: 0.22%, National: 0.32%)

better than tier avg

Return on Assets: 1.68%

(Tier: 1.28%, National: 1.23%)

better than tier avg

35 of 35 Large banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#13 of 35 • Top 34.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.68%

(Tier: 1.28%, National: 1.23%)

better than tier avg

35 of 35 Large banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#7 of 10 • Top 60.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 34.10%

(Tier: 20.04%, National: 22.01%)

better than tier avg

Net Interest Margin: 3.94%

(Tier: 3.77%, National: 3.89%)

better than tier avg

10 of 10 Large banks match · 369 nationally

→ Stable -14 banks QoQ

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (5 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 34.10%

Peer Median: 20.04%

#8 of 137 Top 5.1% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.35%

Peer Median: 0.22%

#20 of 137 Top 13.9% in $10B-$250B

Return on Assets

profitability

Value: 1.68%

Peer Median: 1.28%

#24 of 137 Top 16.8% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 70.07%

Peer Median: 80.79%

#28 of 137 Top 19.7% in $10B-$250B

Net Interest Margin

profitability

Value: 3.94%

Peer Median: 3.77%

#35 of 137 Top 24.8% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available