Wilmington Savings Fund Society, FSB
Wilmington Savings Fund Society, FSB reported total assets of $22.6 bn at Q2 2026, up 9.1% on a year earlier, the 95th largest of 497 banks in our US coverage. The CET1 capital ratio at Wilmington Savings Fund Society, FSB was 13.77%, and the uninsured share of Wilmington Savings Fund Society, FSB was 46.12%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Wilmington Savings Fund Society, FSB climbed from 399th to 228th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , Wilmington Savings Fund Society, FSB has taken over 3 institutions; the latest was The Bryn Mawr Trust Company on (FDIC Call Reports).
What sets Wilmington Savings Fund Society, FSB apart
How large is Wilmington Savings Fund Society, FSB?
The balance sheet of Wilmington Savings Fund Society, FSB at : assets $22.6 bn, deposits $19.3 bn, net loans $13.3 bn (loans equal to 68.99% of deposits). Securities make up 21.2% of total assets at Wilmington Savings Fund Society, FSB. Since , when Wilmington Savings Fund Society, FSB held $5.7 bn, its assets grew 297.5%. In the year to , deposits at Wilmington Savings Fund Society, FSB rose 10.2% while its total assets rose 9.1%. At , Wilmington Savings Fund Society, FSB employed 2,336 full-time equivalent staff across 95 offices, about $9.7 mn of assets per employee and $203.3 mn of deposits per office.
How much funding at Wilmington Savings Fund Society, FSB is uninsured?
At Wilmington Savings Fund Society, FSB, uninsured deposits (above the FDIC limit) made up 46.12% of domestic deposits at (+5.47 pp on a year earlier); Wilmington Savings Fund Society, FSB ranks 123rd of 500 on this measure. In dollars, Wilmington Savings Fund Society, FSB estimated $8.9 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $19.3 bn | +10.2% | 93rd of 499 |
| Net loans and leases | $13.3 bn | +2.8% | 103rd of 500 |
| Loan-to-deposit ratio | 68.99% | -4.96 pp | 426th of 500 |
| Tier 1 leverage ratio | 10.36% | +0.07 pp | 246th of 500 |
| Total risk-based capital ratio | 14.94% | +0.59 pp | 174th of 448 |
| Net interest margin | 3.95% | -0.03 pp | 154th of 500 |
| Return on assets (ROA) | 1.60% | +0.20 pp | 126th of 500 |
| Efficiency ratio | 55.65% | -1.32 pp | 245th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $97.5 mn | Narrowed by $12.6 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $518.3 mn | Narrowed by $67.3 mn | |
| Noncurrent loans to total loans | 0.57% | -0.41 pp | 228th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.05% | -0.47 pp | 204th of 500 (1 = lowest) |
US rank of Wilmington Savings Fund Society, FSB: 1 = highest unless marked 1 = lowest.
Balance sheet
Wilmington Savings Fund Society, FSB: assets, deposits and loans
- Total assets $22.6bn
- Deposits $19.3bn
- Net loans $13.3bn
Capital and securities
The CET1 ratio of Wilmington Savings Fund Society, FSB stood at 13.77% in , +0.66 pp year on year. Low and high at Wilmington Savings Fund Society, FSB since : 11.14% () to 15.11% (). Equity capital of Wilmington Savings Fund Society, FSB at : $2.6 bn, or 11.7% of total assets. Wilmington Savings Fund Society, FSB also reported a total capital ratio of 14.94% for , and a tier 1 leverage ratio of 10.36%.
On held-to-maturity securities, Wilmington Savings Fund Society, FSB carried an unrealized loss of $97.5 mn at , equal to 3.7% of equity capital. The loss narrowed by $12.6 mn over the year. Its deepest point: $141.2 mn in . The available-for-sale portfolio of Wilmington Savings Fund Society, FSB showed an unrealized loss of $518.3 mn at ; the loss narrowed by $67.3 mn over the year.
Wilmington Savings Fund Society, FSB: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 10%
Wilmington Savings Fund Society, FSB: unrealized securities gains and losses
- Available for sale -$518mn
- Held to maturity -$97mn
Profitability and loan quality
For the year to , Wilmington Savings Fund Society, FSB earned a return on equity of 13.22%; return on assets: 1.60%. Net interest margin at Wilmington Savings Fund Society, FSB: 3.95%, -0.03 pp in a year. Wilmington Savings Fund Society, FSB net income: $175.8 mn, up 21.5% year on year. The efficiency ratio of Wilmington Savings Fund Society, FSB was 55.65%: about 56 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 0.57% of total loans at Wilmington Savings Fund Society, FSB; net charge-offs: 0.05% of average loans. Gross loans and leases at Wilmington Savings Fund Society, FSB: $13.5 bn, up 2.7% in a year.
Wilmington Savings Fund Society, FSB: profitability
- Return on equity 13%
- Net interest margin 4.0%
- Return on assets 1.6%
Peer group of Wilmington Savings Fund Society, FSB
The peer group of Wilmington Savings Fund Society, FSB is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Wilmington Savings Fund Society, FSB (federal savings bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Delaware. Against them, Wilmington Savings Fund Society, FSB shows CET1 ratio 13.77% against a peer median of 12.87%, return on equity 13.22% against a peer median of 11.30% and uninsured deposit share 46.12% against a peer median of 44.93%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First Hawaiian Bank | State nonmember bank | HI | $23.6 bn | 13.23% | 10.74% | 54.71% | |
| OceanFirst Bank | National bank | NJ | $23.2 bn | 12.96% | 2.90% | 51.83% | |
| TowneBank | State nonmember bank | VA | $22.6 bn | 12.16% | 16.91% | 47.97% | |
| Wilmington Savings Fund Society, FSB | Federal savings bank | DE | $22.6 bn | 13.77% | 13.22% | 46.12% | |
| First Financial Bank | State member bank | OH | $22.4 bn | 12.77% | 11.86% | 41.88% | |
| Beacon Bank and Trust | State member bank | MA | $22.2 bn | 11.77% | 9.41% | 38.34% | |
| Optum Bank, Inc. | State nonmember bank | UT | $21.4 bn | 17.86% | 17.52% | 3.78% | |
. FDIC Call Reports.
Last eight quarters
Two years at Wilmington Savings Fund Society, FSB, to : assets +8.4%, deposits +15.2%, equity +2.6%. Staff 2,219 to 2,336.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $20.8 bn | $20.7 bn | $20.5 bn | $20.7 bn | $20.8 bn | $21.2 bn | $22.0 bn | $22.6 bn |
| Total deposits | $16.8 bn | $17.3 bn | $17.1 bn | $17.5 bn | $17.6 bn | $17.9 bn | $18.8 bn | $19.3 bn |
| Bank equity capital | $2.6 bn | $2.5 bn | $2.6 bn | $2.4 bn | $2.6 bn | $2.7 bn | $2.7 bn | $2.6 bn |
| CET1 ratio | 13.46% | 13.88% | 14.12% | 13.11% | 13.76% | 14.06% | 14.01% | 13.77% |
| Return on equity (ROE) | 11.26% | 11.08% | 10.91% | 11.49% | 11.67% | 11.63% | 13.64% | 13.22% |
| Uninsured share of domestic deposits | 38.61% | 39.33% | 38.76% | 40.65% | 39.61% | 41.68% | 44.23% | 46.12% |
| Full-time equivalent employees | 2,219 | 2,283 | 2,302 | 2,313 | 2,264 | 2,294 | 2,303 | 2,336 |
| Number of offices | 95 | 95 | 96 | 96 | 96 | 95 | 95 | 95 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Wilmington Savings Fund Society, FSB, oldest first; figures before and after each event are not like for like.
- . Absorbed Greater Delaware Valley Savings Bank (FDIC certificate 29882).
- . Absorbed Penn Liberty Bank (FDIC certificate 57844).
- . Absorbed Beneficial Bank (FDIC certificate 15697).
- . Absorbed The Bryn Mawr Trust Company (FDIC certificate 11866).
Large one-quarter moves at Wilmington Savings Fund Society, FSB
- Total assets at Wilmington Savings Fund Society, FSB changed by +69.0% in the quarter to 2019-03-31: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Beneficial Bank.
- Total assets at Wilmington Savings Fund Society, FSB changed by +32.6% in the quarter to 2022-03-31: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from The Bryn Mawr Trust Company.
Questions and identifiers
What were the total assets of Wilmington Savings Fund Society, FSB?
Wilmington Savings Fund Society, FSB reported $22.6 bn at in its Call Report. That makes Wilmington Savings Fund Society, FSB the 95th largest of 497 banks in our US coverage.
Is Wilmington Savings Fund Society, FSB the same as its holding company?
No. This page covers Wilmington Savings Fund Society, FSB, FDIC certificate 17838; WSFS FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Wilmington Savings Fund Society, FSB profitable?
Wilmington Savings Fund Society, FSB reported net income of $175.8 mn for the year to ; annualized return on equity: 13.22%. So yes: Wilmington Savings Fund Society, FSB made a profit over these months.
When is data for Wilmington Savings Fund Society, FSB next updated?
Figures from Wilmington Savings Fund Society, FSB for are due after .
Where can I check the figures for Wilmington Savings Fund Society, FSB?
In the FDIC BankFind Suite record for certificate 17838, and in the Call Reports of Wilmington Savings Fund Society, FSB (RSSD ID 437914) at the FFIEC Central Data Repository.