BlastPoint's Banking Scorecard

Barclays Bank Delaware

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

Wilmington, DE

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

Barclays Bank Delaware has 2 strengths but faces 4 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

+ Net Interest Margin 7.93% above tier average
+ ROA 0.09% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.90% above tier average
- Non-Interest-Bearing Deposit Share 19.82% below tier average
- Nonperforming Asset Ratio 0.61% above tier average
- Efficiency Ratio 6.78% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Total Assets ?	$46.6B +3.0% YoY -2.0% QoQ	-$315.6M	$47.0B -1.9% YoY	$70.8B +0.0% YoY	$6.2B +9.1% YoY	74%
Total Loans ?	$32.6B +10.1% YoY -4.0% QoQ	+$3.2B	$29.4B -0.4% YoY	$38.8B +4.8% YoY	$3.2B +10.8% YoY	75%
Total Deposits ?	$37.5B +4.9% YoY -1.7% QoQ	-$960.2M	$38.4B -1.6% YoY	$56.2B +0.9% YoY	$4.8B +8.2% YoY	74%
Return on Assets ?	1.37% -5.2% YoY +58.2% QoQ	+0.09%	1.28% +18.7% YoY	2.25% -5.9% YoY	1.23% +13.4% YoY	66%
Net Interest Margin ?	11.71% +6.1% YoY +2.7% QoQ	+7.93%	3.77% +5.8% YoY	5.71% +1.4% YoY	3.89% +5.7% YoY	Top 1.5% in tier
Efficiency Ratio ?	60.79% -3.5% YoY -6.0% QoQ	+6.78%	54.01% -3.7% YoY	53.58% -1.6% YoY	66.95% -4.1% YoY	31%
Delinquency Rate ?	1.91% +4.0% YoY +4.8% QoQ	+0.90%	1.02% -3.8% YoY	1.76% +0.3% YoY	0.95% +18.8% YoY	Bottom 9.6% in tier
Loan-to-Deposit Ratio ?	87.00% +5.0% YoY -2.3% QoQ	+6.21%	80.79% +1.9% YoY	82.81% -6.4% YoY	76.70% +0.9% YoY	41%
Non-Interest-Bearing Deposit Share ?	0.22% -36.7% YoY +61.6% QoQ	-19.82%	20.04% +0.2% YoY	23.71% -4.5% YoY	22.01% -1.2% YoY	Bottom 7.3% in tier
Nonperforming Asset Ratio ?	1.34% +11.1% YoY +2.7% QoQ	+0.61%	0.72% +4.2% YoY	0.52% -2.0% YoY	0.67% +19.3% YoY	Bottom 8.0% in tier
Tier 1 Capital Ratio ?	15.95% -0.7% YoY +4.6% QoQ	+0.43%	15.51% -0.4% YoY	58.48% +5.2% YoY	17.06% +0.8% YoY	82%
Non-Interest Income / Assets ?	0.31% -31.7% YoY -78.9% QoQ	+0.09%	0.22% +0.3% YoY	1.31% -6.4% YoY	0.32% +4.1% YoY	83%

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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 (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).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 11.71%

Peer Median: 3.77%

#3 of 137 Top 1.5% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.31%

Peer Median: 0.22%

#24 of 137 Top 16.8% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 15.95%

Peer Median: 15.51%

#25 of 137 Top 17.5% in $10B-$250B

Total Loans

size

Value: $32.59B

Peer Median: $29.36B

#35 of 137 Top 24.8% in $10B-$250B

Top Weaknesses (3 metrics)

128

Non-Interest-Bearing Deposit Share

funding

Value: 0.22%

Peer Median: 20.04%

#128 of 137 Bottom 7.3% in $10B-$250B

127

Nonperforming Asset Ratio

credit_quality

Value: 1.34%

Peer Median: 0.72%

#127 of 137 Bottom 8.0% in $10B-$250B

124

Delinquency Rate

credit_quality

Value: 1.91%

Peer Median: 1.02%

#124 of 136 Bottom 9.6% in $10B-$250B