BlastPoint's Banking Scorecard

Wilmington Trust, National Association

$100M-$1B Specialty: Other DE FDIC cert 34069

Wilmington, DE

40 branches across PA · FL · NJ · NY · CA · CT · DE · MD · AZ · DC · GA · MA · MI · MN · NV · SC · VT

2664 banks in the $100M-$1B peer group nationally 8 in DE

Wilmington Trust, National Association has 2 strengths but faces 8 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

+ Revenue Diversifier: Top 29.4% in tier
+ Net Interest Margin 4.01% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 1.2% in tier
- Efficiency Drag: Bottom 13.5% in tier
- Liquidity Strain: Bottom 18.5% in tier
- Deposit Outflow: Bottom 33.8% in tier
- Capital Constraint: Bottom 97.2% in tier
- Return on Assets 1.11% below tier average
- Delinquency Rate 5.78% above tier average
- Non-Interest-Bearing Deposit Share 20.84% below tier average

Get updates when Wilmington Trust, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Total Assets ?	$759.5M +7.0% YoY -1.7% QoQ	+$373.4M	$386.1M +0.5% YoY	$70.8B +0.0% YoY	$6.2B +9.1% YoY	Top 10.2% in tier
Total Loans ?	$25.0M -20.9% YoY -5.9% QoQ	-$230.7M	$255.7M +1.1% YoY	$38.8B +4.8% YoY	$3.2B +10.8% YoY	Bottom 0.8% in tier
Total Deposits ?	$5.0M -12.3% YoY -2.7% QoQ	-$323.0M	$328.0M +0.1% YoY	$56.2B +0.9% YoY	$4.8B +8.2% YoY	Bottom 0.3% in tier
Return on Assets ?	0.16% -96.9% YoY -98.0% QoQ	-1.11%	1.27% +12.9% YoY	2.25% -5.9% YoY	1.23% +13.4% YoY	Bottom 5.8% in tier
Net Interest Margin ?	7.94% +1.2% YoY -1.2% QoQ	+4.01%	3.93% +6.0% YoY	5.71% +1.4% YoY	3.89% +5.7% YoY	Top 0.2% in tier
Efficiency Ratio ?	99.58% +13.0% YoY +21.6% QoQ	+34.30%	65.29% -4.5% YoY	53.58% -1.6% YoY	66.95% -4.1% YoY	Bottom 2.6% in tier
Delinquency Rate ?	6.67% +25.6% YoY +7.8% QoQ	+5.78%	0.89% +18.8% YoY	1.76% +0.3% YoY	0.95% +18.8% YoY	Bottom 0.9% in tier
Loan-to-Deposit Ratio ?	500.88% -9.8% YoY -3.3% QoQ	+424.24%	76.64% +0.8% YoY	82.81% -6.4% YoY	76.70% +0.9% YoY	Bottom 0.1% in tier
Non-Interest-Bearing Deposit Share ?	1.18% +417.2% YoY +366.5% QoQ	-20.84%	22.02% -1.0% YoY	23.71% -4.5% YoY	22.01% -1.2% YoY	Bottom 1.2% in tier
Nonperforming Asset Ratio ?	0.22% -7.1% YoY +3.2% QoQ	-0.42%	0.64% +19.7% YoY	0.52% -2.0% YoY	0.67% +19.3% YoY	58%
Tier 1 Capital Ratio ?	273.94% +3.0% YoY -6.0% QoQ	+258.11%	15.83% +1.5% YoY	58.48% +5.2% YoY	17.06% +0.8% YoY	Top 0.1% in tier
Non-Interest Income / Assets ?	13.40% -8.4% YoY -77.0% QoQ	+13.12%	0.28% +9.3% YoY	1.31% -6.4% YoY	0.32% +4.1% YoY	Top 0.2% 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 (1)

Revenue Diversifier

growth

#197 of 666 • Top 29.4% 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: 13.40%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.16%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (5)

Liquidity Overhang

risk

#10 of 739 • Bottom 1.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 273.94%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 500.88%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#57 of 414 • Bottom 13.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 99.58%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

Liquidity Strain

risk

#120 of 643 • Bottom 18.5% 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: 500.88%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#172 of 506 • Bottom 33.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Capital Constraint

risk

#106 of 108 • Bottom 97.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 500.88%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 273.94%

(Tier: 15.83%, National: 17.06%)

better than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Tier 1 Capital Ratio

capital

Value: 273.94%

Peer Median: 15.83%

#3 of 2664 Top 0.1% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 13.40%

Peer Median: 0.28%

#5 of 2664 Top 0.2% in $100M-$1B

Net Interest Margin

profitability

Value: 7.94%

Peer Median: 3.93%

#6 of 2664 Top 0.2% in $100M-$1B

272

Total Assets

size

Value: $759.50M

Peer Median: $386.08M

#272 of 2664 Top 10.2% in $100M-$1B

Top Weaknesses (7 metrics)

2664

Loan-to-Deposit Ratio

liquidity

Value: 500.88%

Peer Median: 76.64%

#2664 of 2664 Bottom 0.1% in $100M-$1B

2658

Total Deposits

size

Value: $4.99M

Peer Median: $327.97M

#2658 of 2664 Bottom 0.3% in $100M-$1B

2643

Total Loans

size

Value: $25.00M

Peer Median: $255.72M

#2643 of 2664 Bottom 0.8% in $100M-$1B

2631

Delinquency Rate

credit_quality

Value: 6.67%

Peer Median: 0.89%

#2631 of 2654 Bottom 0.9% in $100M-$1B

2634

Non-Interest-Bearing Deposit Share

funding

Value: 1.18%

Peer Median: 22.02%

#2634 of 2664 Bottom 1.2% in $100M-$1B

2596

Efficiency Ratio

profitability

Value: 99.58%

Peer Median: 65.29%

#2596 of 2664 Bottom 2.6% in $100M-$1B

2511

Return on Assets

profitability

Value: 0.16%

Peer Median: 1.27%

#2511 of 2664 Bottom 5.8% in $100M-$1B