Wilmington Savings Fund Society, FSB
Wilmington, Delaware, New Castle County
$22.6B in total assets, the 98th largest of 4,309 US banks and 6th of 25 headquartered in Delaware.
- FDIC certificate
- 17838
- Established
- 1832
- Owned by
- Wsfs Financial Corp
- Primary regulator
- OCC
- Website
- www.wsfsbank.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $22.6B | 51% | $22.4B | |
| Loans | $13.5B | 44% | $14.5B | |
| Deposits | $19.3B | 52% | $18.0B | |
| Return on assets | 1.53% | 77% | 1.29% | |
| Net interest margin | 3.95% | 72% | 3.61% | |
| Efficiency ratio | 55.7% | 54% | 55.1% | |
| Equity to assets | 11.71% | 54% | 11.57% | |
| Loans to deposits | 70% | 14% | 87% |
Growth
Total assets grew 8.4% a year over the last 5 years and 14.5% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2022 | The Bryn Mawr Trust Company Bryn Mawr, PA | $5.0B |
| Mar 2019 | Beneficial Bank Philadelphia, PA | $5.8B |
| Aug 2016 | Penn Liberty Bank Wayne, PA | $718M |
| Oct 2015 | Greater Delaware Valley Savings Bank Broomall, PA | $408M |
| Sep 2014 | The First National Bank of Wyoming Wyoming, DE | $302M |
| Dec 2010 | Christiana Bank & Trust Company Greenville, DE | $199M |
| Nov 1995 | Fidelity Federal Savings and Loan Association Exton, PA | $197M |
Where they operate
94 branches in 13 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| New Castle County, DE | $7.8B | 1.7% | 6 of 27 |
| Philadelphia County, PA | $2.5B | 3.3% | 8 of 37 |
| Delaware County, PA | $2.1B | 13.2% | 3 of 24 |
| Montgomery County, PA | $2.0B | 5.1% | 7 of 29 |
| Burlington County, NJ | $1.4B | 10.0% | 4 of 17 |
| Chester County, PA | $1.1B | 6.8% | 6 of 29 |
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 39 branches since 2016 (55 to 94, +70.9%). 6 opened, 85 acquired, 52 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 55 | |||
| 2016 | Acquired Penn Liberty BankOpened King Of Prussia, closed Frazer and Wilmington | 11 | 2 | +9 | 64 |
| 2017 | Opened WilmingtonClosed Wayne and Wilmington | 1 | 2 | −1 | 63 |
| 2018 | Closed Wyoming | 0 | 1 | −1 | 62 |
| 2019 | Acquired Beneficial BankClosed 22 in 3 states | 57 | 22 | +35 | 97 |
| 2020 | Closed 3 in 2 states | 0 | 3 | −3 | 94 |
| 2021 | Opened MediaClosed Glen Mills | 1 | 1 | 0 | 94 |
| 2022 | Acquired The Bryn Mawr Trust CompanyClosed 14 in 3 states | 18 | 14 | +4 | 98 |
| 2023 | Closed 4 in 2 states | 0 | 4 | −4 | 94 |
| 2024 | Opened Boca Raton and PhiladelphiaClosed Philadelphia and Wilmington | 2 | 2 | 0 | 94 |
| 2025 | Opened DoylestownClosed Wilmington | 1 | 1 | 0 | 94 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 38% | 25% | |
| 1-4 family residential | 25% | 21% | |
| Business (C&I) | 11% | 17% | |
| Multifamily | 9% | 8% | |
| Construction and land | 7% | 6% | |
| Consumer | 1% | 10% | |
| Other | 9% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 54% | 62% | |
| Noninterest-bearing | 36% | 20% | |
| Time deposits | 9% | 18% |
Brokered deposits are 0.0% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.51% | 0.63% |
| Net charge-offs, annualized | 0.05% | 0.14% |
| Reserves to loans | 1.31% | 1.14% |
| Leverage ratio | 10.36% | 10.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Delaware
Largest competitors in New Castle County, DE
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/wilmington-fund-society