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The Wilmington Savings Bank

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

Designations: ✓ Mutual

Wilmington, OH

2 branches across OH

2664 banks in the $100M-$1B peer group nationally 98 in OH
View $100M-$1B leaderboard (OH) →

The Wilmington Savings Bank has 1 strength but faces 3 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 5.24% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 1.56% below tier average
  • - Non-Interest-Bearing Deposit Share 15.46% below tier average
  • - ROA 0.38% below tier average
Get updates when The Wilmington Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $265.1M
+8.6% YoY -0.6% QoQ
-$120.9M $386.1M
+0.5% YoY
$35.8B
+10.6% YoY
$6.2B
+9.1% YoY
40%
Total Loans ? $203.9M
+14.2% YoY +2.2% QoQ
-$51.8M $255.7M
+1.1% YoY
$15.7B
+12.8% YoY
$3.2B
+10.8% YoY
50%
Total Deposits ? $225.5M
+8.5% YoY -0.9% QoQ
-$102.4M $328.0M
+0.1% YoY
$25.9B
+8.5% YoY
$4.8B
+8.2% YoY
40%
Return on Assets ? 0.89%
+69.8% YoY +14.8% QoQ
-0.38% 1.27%
+12.9% YoY
1.12%
+9.9% YoY
1.23%
+13.4% YoY
31%
Net Interest Margin ? 2.37%
+2.2% YoY +0.1% QoQ
-1.56% 3.93%
+6.0% YoY
3.58%
+7.5% YoY
3.89%
+5.7% YoY
Bottom 2.3% in tier
Efficiency Ratio ? 60.04%
-17.7% YoY -7.4% QoQ
-5.24% 65.29%
-4.5% YoY
72.65%
-4.0% YoY
66.95%
-4.1% YoY
60%
Delinquency Rate ? 0.89%
-2.0% YoY +12.3% QoQ
+0.00% 0.89%
+18.8% YoY
0.65%
+14.5% YoY
0.95%
+18.8% YoY
31%
Loan-to-Deposit Ratio ? 90.43%
+5.2% YoY +3.1% QoQ
+13.79% 76.64%
+0.8% YoY
79.14%
+0.8% YoY
76.70%
+0.9% YoY
23%
Non-Interest-Bearing Deposit Share ? 6.56%
+10.0% YoY -1.6% QoQ
-15.46% 22.02%
-1.0% YoY
18.08%
-0.4% YoY
22.01%
-1.2% YoY
Bottom 5.2% in tier
Nonperforming Asset Ratio ? 0.68%
+3.0% YoY +15.5% QoQ
+0.05% 0.64%
+19.7% YoY
0.44%
+14.5% YoY
0.67%
+19.3% YoY
30%
Tier 1 Capital Ratio ? 14.63%
-1.9% YoY +1.7% QoQ
-1.20% 15.83%
+1.5% YoY
19.44%
+3.1% YoY
17.06%
+0.8% YoY
63%
Non-Interest Income / Assets ? 0.14%
+143.7% YoY -72.2% QoQ
-0.14% 0.28%
+9.3% YoY
0.57%
-2.4% YoY
0.32%
+4.1% YoY
69%

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 (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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2604
Net Interest Margin
profitability
Value: 2.37%
Peer Median: 3.93%
#2604 of 2664 Bottom 2.3% in $100M-$1B
2526
Non-Interest-Bearing Deposit Share
funding
Value: 6.56%
Peer Median: 22.02%
#2526 of 2664 Bottom 5.2% in $100M-$1B
2040
Loan-to-Deposit Ratio
liquidity
Value: 90.43%
Peer Median: 76.64%
#2040 of 2664 Bottom 23.5% in $100M-$1B
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