BlastPoint's Banking Scorecard
Wilmington Trust, National Association
Wilmington, DE
41 branches across PA · FL · NY · CT · MD · NJ · CA · DE · AZ · DC · GA · MA · MI · MN · NV · SC · VT
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 8 in DE.
- Deposits -8.2% year over year ($4.9M on the books).
- Delinquency rate 6.97%.
- Return on assets 1.78%.
- Efficiency ratio 95.42% vs a 64.48% peer average.
- Loan-to-deposit ratio 474.17% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Wilmington Trust, National Association has 3 strengths but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 7.4% in tier
- + Net Interest Margin 4.05% above tier average
- + ROA 0.46% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 1.5% in tier
- - Efficiency Drag: Bottom 10.2% in tier
- - Deposit Outflow: Bottom 17.6% in tier
- - Liquidity Strain: Bottom 19.7% in tier
- - Margin Compression: Bottom 39.7% in tier
- - Capital Constraint: Bottom 96.3% in tier
- - Delinquency Rate 6.05% above tier average
- - Non-Interest-Bearing Deposit Share 21.85% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$772.1M
+5.1% YoY
+1.7% QoQ
|
+$385.5M |
$386.6M
+1.2% YoY
|
$72.9B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
Top 9.3% in tier |
| Total Loans ? |
$23.4M
-20.7% YoY
-6.4% QoQ
|
-$234.9M |
$258.3M
+1.7% YoY
|
$40.0B
+6.7% YoY
|
$3.2B
+9.4% YoY
|
Bottom 0.8% in tier |
| Total Deposits ? |
$4.9M
-8.2% YoY
-1.1% QoQ
|
-$321.8M |
$326.7M
+0.7% YoY
|
$56.7B
+1.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 0.3% in tier |
| Return on Assets ? |
1.78%
-75.2% YoY
|
+0.46% |
1.32%
+10.8% YoY
|
2.36%
-9.5% YoY
|
1.30%
+12.1% YoY
|
79% |
| Net Interest Margin ? |
8.03%
+1.6% YoY
+1.1% QoQ
|
+4.05% |
3.99%
+5.0% YoY
|
5.72%
+0.9% YoY
|
3.95%
+4.9% YoY
|
Top 0.2% in tier |
| Efficiency Ratio ? |
95.42%
+14.9% YoY
-4.2% QoQ
|
+30.94% |
64.48%
-3.2% YoY
|
53.04%
-0.1% YoY
|
70.05%
+2.5% YoY
|
Bottom 3.0% in tier |
| Delinquency Rate ? |
6.97%
+40.8% YoY
+4.4% QoQ
|
+6.05% |
0.92%
+15.7% YoY
|
1.76%
+6.5% YoY
|
0.98%
+16.3% YoY
|
Bottom 0.8% in tier |
| Loan-to-Deposit Ratio ? |
474.17%
-13.6% YoY
-5.3% QoQ
|
+396.22% |
77.95%
+1.0% YoY
|
80.57%
-7.4% YoY
|
79.03%
+2.3% YoY
|
Bottom 0.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.18%
-2.0% YoY
-84.6% QoQ
|
-21.85% |
22.03%
-0.6% YoY
|
23.77%
-3.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 0.8% in tier |
| Nonperforming Asset Ratio ? |
0.21%
+6.2% YoY
-3.8% QoQ
|
-0.46% |
0.67%
+16.4% YoY
|
0.52%
+1.1% YoY
|
0.69%
+15.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
274.44%
-2.6% YoY
+0.2% QoQ
|
+258.53% |
15.91%
+1.4% YoY
|
57.87%
+0.5% YoY
|
17.09%
+0.8% YoY
|
Top 0.1% in tier |
| Non-Interest Income / Assets ? |
27.92%
-4.6% YoY
+108.3% QoQ
|
+27.35% |
0.57%
+7.6% YoY
|
2.79%
+1.3% YoY
|
0.66%
+5.2% YoY
|
Top 0.2% 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 |
0.2%
0.0pp YoY -1.0pp QoQ |
-22.0pp | 22.1% | 27.2% | 22.2% | 0% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 | n/a | n/a | 11.6% | 8.9% | 12.5% | n/a |
| CRE | n/a | n/a | 39.5% | 35.2% | 41.4% | n/a |
| 1-4 Family |
101.5%
-0.7pp YoY +0.1pp QoQ |
+68.9pp | 32.6% | 36.6% | 31.3% | 100% |
| Consumer | n/a | n/a | 4.1% | 37.2% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
274.4%
-7.2pp YoY +0.5pp QoQ |
+255.6pp | 18.8% | 52.4% | 19.7% | 100% |
| Leverage Ratio |
86.9%
-0.6pp YoY 0.0pp QoQ |
+74.7pp | 12.2% | 28.0% | 12.6% | 100% |
| Total Capital Ratio |
274.6%
-7.4pp YoY +0.5pp QoQ |
+254.6pp | 19.9% | 53.4% | 20.8% | 100% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
921
+76 (+9.0%) YoY +12 (+1.3%) QoQ |
+862 | 58 | 6,324 | 482 | 100% |
| Assets per Employee ($) |
$838,302
-3.6% YoY +0.3% QoQ |
-$6.7M | $7.5M | $17.7M | $8.8M | 0% |
| Branch Count |
38
-3 (-7.3%) YoY 0 QoQ |
+33 | 4 | 249 | 18 | 100% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual |
7.0%
+2.0pp YoY +0.3pp QoQ |
+6.0pp | 0.9% | 1.3% | 1.0% | 99% |
| Allowance Coverage |
0.22x
-50.7% YoY +4.0% QoQ |
-23.93x | 24.15x | 2.44x | 20.23x | 2% |
| Net Charge-off Rate (YTD) |
-0.3%
0.0pp YoY +0.2pp QoQ |
-0.4pp | 0.1% | 1.5% | 0.2% | 1% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.0%
-6.3pp YoY +1.8pp QoQ |
-10.2pp | 12.2% | 13.0% | 11.6% | 6% |
| Cost of Funds (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-1.7pp | 1.7% | 1.7% | 1.7% | 0% |
| Net Income ($, YTD) |
$6.8M
-73.5% YoY — QoQ |
+$4.3M | $2.6M | $432.8M | $40.4M | 95% |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (6)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.