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The Wilmington Savings Bank

$100M-$1B Specialty: Mortgage OH FDIC cert 31539

Designations: ✓ Mutual

Wilmington, OH

2 branches across OH

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits +6.6% year over year ($228.1M on the books).
  • Delinquency rate 0.85%.
  • Return on assets 0.78%.
  • Efficiency ratio 63.90% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.85% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

The Wilmington Savings Bank has 2 strengths but faces 6 concerns

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

  • + Efficiency Ratio 0.58% below tier average
  • + Delinquency Rate 0.07% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 33.0% in tier
  • - Credit Risk Growth: Bottom 33.3% in tier
  • - Liquidity Strain: Bottom 36.8% in tier
  • - Net Interest Margin 1.52% below tier average
  • - Non-Interest-Bearing Deposit Share 16.07% below tier average
  • - ROA 0.54% below tier average
Get updates when The Wilmington Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $267.3M
+6.5% YoY +0.8% QoQ
-$119.2M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
40%
Total Loans ? $207.3M
+8.8% YoY +1.6% QoQ
-$51.1M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
50%
Total Deposits ? $228.1M
+6.6% YoY +1.2% QoQ
-$98.6M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
40%
Return on Assets ? 0.78%
+14.9% YoY -12.3% QoQ
-0.54% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
22%
Net Interest Margin ? 2.46%
-0.9% YoY +3.9% QoQ
-1.52% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Bottom 2.8% in tier
Efficiency Ratio ? 63.90%
-6.0% YoY +6.4% QoQ
-0.58% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
46%
Delinquency Rate ? 0.85%
+3.0% YoY -4.6% QoQ
-0.07% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
33%
Loan-to-Deposit Ratio ? 90.85%
+2.0% YoY +0.5% QoQ
+12.90% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
24%
Non-Interest-Bearing Deposit Share ? 5.96%
+0.6% YoY -9.2% QoQ
-16.07% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 4.7% in tier
Nonperforming Asset Ratio ? 0.66%
+5.2% YoY -3.8% QoQ
-0.01% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
32%
Tier 1 Capital Ratio ? 14.61%
-2.6% YoY -0.1% QoQ
-1.29% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
63%
Non-Interest Income / Assets ? 0.18%
+27.5% YoY +36.1% QoQ
-0.38% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
45%

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 (OH) National Avg Tier Percentile
Noninterest-Bearing 6.0%
0.0pp YoY
-0.6pp QoQ
 -16.2pp 22.1% 18.8% 22.2% 4%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 1.5%
+0.3pp YoY
+0.2pp QoQ
 -10.0pp 11.6% 10.2% 12.5% 5%
CRE 23.1%
-1.1pp YoY
-0.3pp QoQ
 -16.4pp 39.5% 34.2% 41.4% 23%
1-4 Family 75.4%
+1.0pp YoY
+0.2pp QoQ
 +42.8pp 32.6% 50.0% 31.3% 95%
Consumer 1.7%
-0.1pp YoY
0.0pp QoQ
 -2.4pp 4.1% 4.7% 5.0% 42%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.1% 19.7% n/a
Leverage Ratio 14.6%
-0.4pp YoY
0.0pp QoQ
 +2.4pp 12.2% 12.9% 12.6% 85%
Total Capital Ratio n/a n/a 19.9% 23.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 21
+1 (+5.0%) YoY
-1 (-4.5%) QoQ
 -38 58 2,433 482 12%
Assets per Employee ($) $12.7M
+1.4% YoY
+5.6% QoQ
 +$5.2M $7.5M $7.6M $8.8M 94%
Branch Count 2
0 YoY
0 QoQ
 -3 4 81 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.8%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.9% 0.6% 1.0% 67%
Allowance Coverage 3.74x
-10.8% YoY
+3.1% QoQ
 -20.42x 24.15x 18.95x 20.23x 63%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 5.4%
+0.7pp YoY
-0.8pp QoQ
 -6.8pp 12.2% 9.7% 11.6% 15%
Cost of Funds (YTD) 2.1%
+0.1pp YoY
+0.1pp QoQ
 +0.4pp 1.7% 1.7% 1.7% 76%
Net Income ($, YTD) $1.0M
+24.3% YoY
— QoQ
 -$1.5M $2.6M $259.3M $40.4M 28%

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 (0)

No matched strength signatures this quarter

Concerns (3)

Credit Quality Pressure

risk
#416 of 1256 • Bottom 33.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.85%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#313 of 936 • Bottom 33.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Liquidity Strain

risk
#255 of 691 • Bottom 36.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.85%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2571
Net Interest Margin
profitability
Value: 2.46%
Peer Median: 3.99%
#2571 of 2643 Bottom 2.8% in $100M-$1B
2521
Non-Interest-Bearing Deposit Share
funding
Value: 5.96%
Peer Median: 22.03%
#2521 of 2643 Bottom 4.7% in $100M-$1B
2056
Return on Assets
profitability
Value: 0.78%
Peer Median: 1.32%
#2056 of 2643 Bottom 22.2% in $100M-$1B
2001
Loan-to-Deposit Ratio
liquidity
Value: 90.85%
Peer Median: 77.95%
#2001 of 2643 Bottom 24.3% in $100M-$1B
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