Safest Banks in Delaware 2026
Delaware has 24 FDIC-insured banks with an average Bank Health Score of 72/100 (B). The safest bank is Applied Bank with a score of 100/100.
Data from FDIC Q2 2024
24 Delaware banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Delaware's 24 FDIC-insured banks hold a combined $1.3T in assets. Their average Bank Health Score of 72/100 sits 2.0 points above the national average of 70/100. Across the state, 88% of banks earn an A or B grade for financial health, while 4% fall to a D or F.
The largest bank headquartered in Delaware is PNC Bank National Assn with $552.5B in assets and a Bank Health Score of 82/100. The strongest by score is Applied Bank in Wilmington (100/100, Tier 1 capital 78.80%). The weakest is Neuberger Berman Tr Co de NA at 40/100, dragged down by an NPL ratio of 0.00%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Delaware
Applied Bank
Wilmington, DE
Delaware's top-rated bank, with a Tier 1 capital ratio of 78.80% — well above the federal "well-capitalized" threshold of 8%. Holds $218M in assets.
Stifel Trust Co Delaware NA
Greenville, DE
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.00% with $284M in total assets.
TD Bank National Assn
Wilmington, DE
Third in the rankings on the Bank Health Score. Liquidity ratio of 43.00% and ROA of 0.38%.
Top 20 of 24 Banks in Delaware
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Applied Bank | Wilmington | A | 100 | 78.80% | 0.00% |
| 2 | Stifel Trust Co Delaware NA | Greenville | A | 100 | 45.70% | 0.00% |
| 3 | TD Bank National Assn | Wilmington | A | 89 | 17.70% | 0.72% |
| 4 | Wilmington Svg Fund Society | Wilmington | A | 88 | 13.07% | 0.56% |
| 5 | Santander Bank N A | Wilmington | A | 84 | 16.42% | 1.49% |
| 6 | TD Bank USA National Assn | Wilmington | A | 83 | 33.97% | 2.31% |
| 7 | PNC Bank National Assn | Wilmington | A | 82 | 11.55% | 1.08% |
| 8 | Wilmington Trust NA | Wilmington | B | 77 | 268.47% | 3.88% |
| 9 | Barclays Bank Delaware | Wilmington | B | 74 | 13.70% | 1.64% |
| 10 | Artisans Bank | Wilmington | B | 73 | 12.17% | 0.90% |
| 11 | Bny Mellon Trust of Delaware | Wilmington | B | 70 | 141.69% | 5.35% |
| 12 | Discover Bank | Greenwood | B | 67 | 11.65% | 1.72% |
| 13 | Citicorp Trust Delaware NA | New Castle | B | 65 | 0.00% | 0.00% |
| 14 | Deutsche Bank Tr Co Delaware | Newark | B | 65 | 0.00% | 0.00% |
| 15 | Wells Fargo de Tr Co NA | Wilmington | B | 65 | 0.00% | 0.00% |
| 16 | U S Bank Trust National Assn | Wilmington | B | 65 | 0.00% | 0.00% |
| 17 | Goldman Sachs Tr Co NA The | Wilmington | B | 65 | 0.00% | 0.00% |
| 18 | Bessemer Tr Co of de NA | Wilmington | B | 65 | 0.00% | 0.00% |
| 19 | HSBC Trust Co Delaware NA | Wilmington | B | 65 | 0.00% | 0.00% |
| 20 | Key National Tr Co of De | Wilmington | B | 65 | 0.00% | 0.00% |
Bank Health Scores for Delaware are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Applied Bank in Wilmington is currently the safest bank in Delaware with a score of 100/100 (Grade A). It posts a Tier 1 capital ratio of 78.80% and a nonperforming loan ratio of 0.00%.
Delaware has 24 FDIC-insured banks with a combined $1.3T in total assets. The average Bank Health Score across the state is 72/100 (Grade B).
Delaware's average Bank Health Score of 72/100 is 2.0 points above the national average of 70/100. 88% of banks in Delaware earn an A or B grade, compared with the national average grade of B.
Of 24 FDIC-insured banks headquartered in Delaware, 7 earn an A, 14 a B, 2 a C, 1 a D, and 0 an F. The most common grade is B.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).