Wilmington Trust NA
Wilmington, Delaware · FDIC Cert #34069
Wilmington Trust NA is an FDIC-insured bank (Certificate #34069) with $699M in total assets and $6M in total deposits as of the Q2 2024 Call Report. Headquartered in Wilmington, Delaware, the bank maintains a Tier 1 capital ratio of 268.47% (Well-Capitalized) and a nonperforming loan ratio of 3.88%. BankHealthData assigns a composite Health Grade of B (77/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Wilmington Trust NA (FDIC cert 34069) is a community bank — $699M in total assets, $6M in deposits, serving the Wilmington, Delaware area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 268.47% 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 elevated: non-performing loan ratio of 3.88% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 81.2% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 8.00% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Wilmington Trust NA carries a composite BankHealth grade of B (77/100) 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: Wilmington Trust NA
- Total Assets
- $699M
- Total Deposits
- $6M
- Tier 1 Capital Ratio
- 268.47%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.88%
- Liquidity Ratio
- 81.16%
- Return on Assets
- 8.00%
- Headquarters
- Wilmington, Delaware
- FDIC Certificate
- #34069
- Health Grade
- B (77/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Wilmington Trust NA holds a Tier 1 capital ratio of 268.47%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Wilmington Trust NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Wilmington Trust NA shows strong financial health indicators. With $699M in assets and a Health Score of 77/100, 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 Wilmington Trust NA Compares
Wilmington Trust NA’s Health Score of 77 is 5 points above the Delaware state average of 72 across 24 FDIC-insured banks. Its 268.47% Tier 1 capital ratio is 254.5 points above the US banking industry average near 14%. The 3.88% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 8.00% is in line with or above the national ROA benchmark of ~1.1%. Among 1266 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Wilmington Trust NA is 7 points above the portfolio average of 70.
Frequently Asked Questions
Wilmington Trust NA has a Bank Health Score of B (77/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 268.47%, 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. Wilmington Trust NA's Tier 1 capital ratio of 268.47% and nonperforming loan ratio of 3.88% 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 Wilmington Trust NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #34069). 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.
Wilmington Trust NA holds $699M in total assets and $6M in total deposits. It is headquartered in Wilmington, Delaware (FDIC Certificate #34069).
Wilmington Trust NA has a Tier 1 capital ratio of 268.47%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.88%, and the return on assets is 8.00%.
Yes. Wilmington Trust NA is FDIC-insured (Certificate #34069). 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%).
Wilmington Trust NA'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.