Wilmington Trust, National Association
Wilmington, Delaware, New Castle County
$772M in total assets, the 1,318th largest of 4,309 US banks and 9th of 25 headquartered in Delaware.
- FDIC certificate
- 34069
- Established
- 1995
- Owned by
- M&t Bank Corp
- Primary regulator
- OCC
At a glance
Compared with 10 banks headquartered in Delaware with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $772M | 90% | $302M | |
| Loans | $24M | 60% | $3M | |
| Deposits | $5M | 40% | $190M | |
| Return on assets | 5.24% | 70% | 3.28% | |
| Net interest margin | 8.03% | 98% | 3.60% | |
| Efficiency ratio | 95.4% | 98% | 39.6% | |
| Equity to assets | 88.23% | 70% | 28.07% | |
| Loans to deposits | 481% | 98% | 24% |
Growth
Total assets grew -40.5% a year over the last 5 years and -10.3% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 2016 | Interim National Bank Princeton, NJ | n/a |
| Jul 2011 | Wilmington Trust, National Association Baltimore, MD, an affiliate under the same holding company | $495M |
Where they operate
41 branches in 38 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Genesee County, NY | $5M | 0.4% | 6 of 7 |
| New Castle County, DE | $9K | 0.0% | 22 of 27 |
| Maricopa County, AZ | $0K | 0.0% | 54 of 55 |
| Los Angeles County, CA | $0K | 0.0% | 88 of 91 |
| Orange County, CA | $0K | 0.0% | 71 of 73 |
| Capitol County, CT | $0K | 0.0% | 23 of 24 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 7 branches since 2016 (34 to 41, +20.6%). 17 opened, 0 acquired, 10 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 34 | |||
| 2022 | Opened 5 in 4 states | 5 | 0 | +5 | 39 |
| 2023 | Opened 5 in 5 states | 5 | 0 | +5 | 44 |
| 2024 | Opened 4 in 3 statesClosed 5 in 4 states | 4 | 5 | −1 | 43 |
| 2025 | Closed 4 in 4 states | 0 | 4 | −4 | 39 |
| 2026 through Q2 | Opened 3 in 3 statesClosed Danvers | 3 | 1 | +2 | 41 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 100% | 43% | |
| Construction and land | 0% | 12% | |
| Multifamily | 0% | 2% | |
| Commercial real estate | 0% | 36% | |
| Business (C&I) | 0% | 3% | |
| Consumer | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 83% | 44% | |
| Time deposits | 17% | 31% | |
| Noninterest-bearing | 0% | 25% |
Brokered deposits are 0.0% of deposits (peers 1.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 6.86% | 0.30% |
| Net charge-offs, annualized | -0.28% | 0.00% |
| Reserves to loans | 1.50% | 0.91% |
| Leverage ratio | 86.89% | 23.54% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Delaware
Largest competitors in Genesee County, NY
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/wilmington-trust-wilmington-de