BlastPoint's Banking Scorecard

Barclays Bank Delaware

$10B-$250B Specialty: Credit Card DE FDIC cert 57203

Wilmington, DE

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 139 banks in the $10B-$250B peer group nationwide — 1 of 4 in DE.
Deposits +1.1% year over year ($35.3B on the books).
Delinquency rate 1.84%.
Return on assets 2.40%.
Efficiency ratio 54.95% vs a 53.67% peer average.
Loan-to-deposit ratio 76.27% vs a 82.61% peer average.

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

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

View $10B-$250B leaderboard (DE) →

Barclays Bank Delaware has 3 strengths 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

+ Profitability Leader: Top 2.9% in tier
+ Revenue Diversifier: Top 5.7% in tier
+ Net Interest Margin 7.51% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.82% above tier average
- Non-Interest-Bearing Deposit Share 20.35% below tier average
- Efficiency Ratio 1.28% above tier average

Get updates when Barclays Bank Delaware releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Total Assets ?	$43.5B -1.3% YoY -6.8% QoQ	-$147.7M	$43.6B -13.8% YoY	$72.9B +3.7% YoY	$6.3B +7.7% YoY	74%
Total Loans ?	$26.9B -11.9% YoY -17.3% QoQ	-$1.0B	$28.0B -8.6% YoY	$40.0B +6.7% YoY	$3.2B +9.4% YoY	74%
Total Deposits ?	$35.3B +1.1% YoY -5.7% QoQ	-$102.5M	$35.4B -14.0% YoY	$56.7B +1.8% YoY	$4.9B +7.3% YoY	75%
Return on Assets ?	2.40% +74.8% YoY +74.3% QoQ	+1.01%	1.39% +25.9% YoY	2.36% -9.5% YoY	1.30% +12.1% YoY	Top 5.8% in tier
Net Interest Margin ?	11.43% +2.7% YoY -2.4% QoQ	+7.51%	3.92% +8.9% YoY	5.72% +0.9% YoY	3.95% +4.9% YoY	Top 1.4% in tier
Efficiency Ratio ?	54.95% -15.6% YoY -9.6% QoQ	+1.28%	53.67% -1.9% YoY	53.04% -0.1% YoY	70.05% +2.5% YoY	53%
Delinquency Rate ?	1.84% +5.1% YoY -4.0% QoQ	+0.82%	1.01% -2.8% YoY	1.76% +6.5% YoY	0.98% +16.3% YoY	Bottom 9.4% in tier
Loan-to-Deposit Ratio ?	76.27% -12.9% YoY -12.3% QoQ	-6.34%	82.61% +3.1% YoY	80.57% -7.4% YoY	79.03% +2.3% YoY	75%
Non-Interest-Bearing Deposit Share ?	0.23% -14.0% YoY +4.8% QoQ	-20.35%	20.58% +4.9% YoY	23.77% -3.1% YoY	21.98% -0.6% YoY	Bottom 6.5% in tier
Nonperforming Asset Ratio ?	1.14% -6.3% YoY -14.8% QoQ	+0.41%	0.73% +5.8% YoY	0.52% +1.1% YoY	0.69% +15.8% YoY	Bottom 12.9% in tier
Tier 1 Capital Ratio ?	15.70% -6.0% YoY -1.5% QoQ	+0.35%	15.35% -0.4% YoY	57.87% +0.5% YoY	17.09% +0.8% YoY	83%
Non-Interest Income / Assets ?	1.92% +116.9% YoY +516.7% QoQ	+1.42%	0.50% +10.5% YoY	2.79% +1.3% YoY	0.66% +5.2% YoY	Top 2.2% in tier

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 0.0pp QoQ	-20.8pp	21.0%	27.2%	22.2%	4%
Brokered Deposits	15.5% -8.6pp YoY -5.4pp QoQ	+6.3pp	9.2%	18.6%	8.5%	84%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
C&I	1.4% +0.4pp YoY 0.0pp QoQ	-15.8pp	17.2%	8.9%	12.5%	5%
CRE	n/a	n/a	42.0%	35.2%	41.4%	n/a
1-4 Family	n/a	n/a	23.1%	36.6%	31.3%	n/a
Consumer	108.4% +2.0pp YoY +1.7pp QoQ	+95.5pp	12.9%	37.2%	5.0%	98%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
CET1 Ratio	13.7% -1.2pp YoY -0.6pp QoQ	-1.6pp	15.3%	52.4%	19.7%	63%
Leverage Ratio	10.8% -2.5pp YoY -1.8pp QoQ	+0.3pp	10.4%	28.0%	12.6%	68%
Total Capital Ratio	17.0% -1.0pp YoY -0.2pp QoQ	+0.5pp	16.5%	53.4%	20.8%	82%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Full-Time Employees	4,631 +347 (+8.1%) YoY +506 (+12.3%) QoQ	+1,373	3,258	6,324	482	83%
Assets per Employee ($)	$9.4M -8.7% YoY -17.0% QoQ	-$17.6M	$27.0M	$17.7M	$8.8M	26%
Branch Count	1 0 YoY 0 QoQ	-137	137	249	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Past Due 90+ Days	1.7% +0.1pp YoY -0.1pp QoQ	+1.3pp	0.4%	0.9%	0.4%	94%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.6pp	0.7%	1.3%	1.0%	9%
Allowance Coverage	5.33x +25.5% YoY +26.6% QoQ	+2.52x	2.81x	2.44x	20.23x	93%
Net Charge-off Rate (YTD)	4.1% +0.3pp YoY +0.4pp QoQ	+3.7pp	0.4%	1.5%	0.2%	97%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
ROE	17.4% +7.4pp YoY +7.4pp QoQ	+4.8pp	12.6%	13.0%	11.6%	84%
Cost of Funds (YTD)	3.4% -0.3pp YoY 0.0pp QoQ	+1.4pp	2.0%	1.7%	1.7%	96%
Net Income ($, YTD)	$550.0M +79.7% YoY — QoQ	+$253.2M	$296.8M	$432.8M	$40.4M	88%

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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 (2)

Profitability Leader

growth

#2 of 35 • Top 2.9% in tier

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

Why this signature

Return on Assets: 2.40%

(Tier: 1.39%, National: 1.30%)

better than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable

Revenue Diversifier

growth

#3 of 35 • Top 5.7% 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: 1.92%

(Tier: 0.50%, National: 0.66%)

better than tier avg

Return on Assets: 2.40%

(Tier: 1.39%, National: 1.30%)

better than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable | QoQ rank improving

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 139 peers in $10B-$250B

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 11.43%

Peer Median: 3.92%

#3 of 139 Top 1.4% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 1.92%

Peer Median: 0.50%

#4 of 139 Top 2.2% in $10B-$250B

Return on Assets

profitability

Value: 2.40%

Peer Median: 1.39%

#9 of 139 Top 5.8% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 15.70%

Peer Median: 15.35%

#25 of 139 Top 17.3% in $10B-$250B

Top Weaknesses (3 metrics)

131

Non-Interest-Bearing Deposit Share

funding

Value: 0.23%

Peer Median: 20.58%

#131 of 139 Bottom 6.5% in $10B-$250B

126

Delinquency Rate

credit_quality

Value: 1.84%

Peer Median: 1.01%

#126 of 138 Bottom 9.4% in $10B-$250B

122

Nonperforming Asset Ratio

credit_quality

Value: 1.14%

Peer Median: 0.73%

#122 of 139 Bottom 12.9% in $10B-$250B