Barclays Bank Delaware
Wilmington, Delaware · FDIC Cert #57203
Barclays Bank Delaware is an FDIC-insured bank (Certificate #57203) with $40.2B in total assets and $30.2B in total deposits as of the Q2 2024 Call Report. Headquartered in Wilmington, Delaware, the bank maintains a Tier 1 capital ratio of 13.70% (Well-Capitalized) and a nonperforming loan ratio of 1.64%. BankHealthData assigns a composite Health Grade of B (74/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Barclays Bank Delaware (FDIC cert 57203) is a large bank with $40.2B in total assets and $30.2B in deposits, headquartered in Wilmington, Delaware. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is strong: Tier 1 capital ratio of 13.70% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.64% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 19.9% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.30% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Barclays Bank Delaware carries a composite BankHealth grade of B (74/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Barclays Bank Delaware
- Total Assets
- $40.2B
- Total Deposits
- $30.2B
- Tier 1 Capital Ratio
- 13.70%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.64%
- Liquidity Ratio
- 19.94%
- Return on Assets
- 1.30%
- Headquarters
- Wilmington, Delaware
- FDIC Certificate
- #57203
- Health Grade
- B (74/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Barclays Bank Delaware holds a Tier 1 capital ratio of 13.70%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Barclays Bank Delaware has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Barclays Bank Delaware shows strong financial health indicators. With $40.2B in assets and a Health Score of 74/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Barclays Bank Delaware Compares
Barclays Bank Delaware’s Health Score of 74 is 2 points above the Delaware state average of 72 across 24 FDIC-insured banks. Its 13.70% Tier 1 capital ratio is 0.3 points below the US banking industry average near 14%. The 1.64% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.30% is in line with or above the national ROA benchmark of ~1.1%. Among 54 similarly-sized banks, the average Health Score is 79, meaning this bank ranks below its size cohort. Site-wide, Barclays Bank Delaware is 4 points above the portfolio average of 70.
Frequently Asked Questions
Barclays Bank Delaware has a Bank Health Score of B (74/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.70%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Barclays Bank Delaware's Tier 1 capital ratio of 13.70% and nonperforming loan ratio of 1.64% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Barclays Bank Delaware is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57203). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Barclays Bank Delaware holds $40.2B in total assets and $30.2B in total deposits. It is headquartered in Wilmington, Delaware (FDIC Certificate #57203).
Barclays Bank Delaware has a Tier 1 capital ratio of 13.70%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.64%, and the return on assets is 1.30%.
Yes. Barclays Bank Delaware is FDIC-insured (Certificate #57203). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Barclays Bank Delaware's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.