Wilmington Svg Fund Society Safety Rating
Wilmington Svg Fund Society's safety rating is grade A, a Bank Health Score of 88/100 built from FDIC call report data. That ranks #838 out of 3,960 FDIC-insured banks nationally (top 21%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Wilmington Svg Fund Society's best component is profitability (92/100) and its weakest is Tier 1 capital (85/100).
This page answers a common banking-safety question: Wilmington Svg Fund Society Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Wilmington Svg Fund Society Safety Rating Breakdown
- Overall rating
- Grade A (88/100)
- National rank
- #838 of 3,960
- Tier 1 capital (35%)
- 85/100
- Loan quality (30%)
- 89/100
- Liquidity (25%)
- 91/100
- Profitability (10%)
- 92/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Wilmington Svg Fund Society among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 21% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.07% | 85/100 |
| Nonperforming Loan Ratio | 0.56% | 89/100 |
| Liquidity Ratio | 27.64% | 91/100 |
| Return on Assets | 1.80% | 92/100 |
| Total Assets | $20.6B | |
How does Wilmington Svg Fund Society compare?
With a Bank Health Score of 88/100, Wilmington Svg Fund Society sits 18.0 points above the national average of 70/100 for FDIC-insured banks. Within Delaware, where 24 FDIC-insured banks are headquartered, Wilmington Svg Fund Society ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 13.07% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.56% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Wilmington Svg Fund Society's Bank Health Score held roughly steady at 88/100. Tier 1 capital weakened by 0.19 percentage points to 13.07%. Quarter-over-quarter, the score fell by 3.0 points.
Frequently Asked Questions
Wilmington Svg Fund Society's safety rating is grade A, a Bank Health Score of 88/100 built from FDIC call report data. That ranks #838 out of 3,960 FDIC-insured banks nationally (top 21%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Wilmington Svg Fund Society's best component is profitability (92/100) and its weakest is Tier 1 capital (85/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Wilmington Svg Fund Society: Tier 1 capital scores 85/100, loan quality 89/100, liquidity 91/100, and profitability 92/100 — combining to 88/100 (grade A).
Wilmington Svg Fund Society's Bank Health Score of 88/100 is 16.0 points above the Delaware state average of 72/100. 24 FDIC-insured banks are headquartered in Delaware.
Yes. Wilmington Svg Fund Society (FDIC certificate #17838) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Wilmington Svg Fund Society
Wilmington Svg Fund Society's safety rating is grade A, a Bank Health Score of 88/100 built from FDIC call report data. That ranks #838 out of 3,960 FDIC-insured banks nationally (top 21%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Wilmington Svg Fund Society's best component is profitability (92/100) and its weakest is Tier 1 capital (85/100).