🏦Bank Scorer

WILMINGTON SAVINGS FUND SOCIETY, FSB

WILMINGTON, DE · Supervised by OTS

Est. 1832FDIC #17,838
Outstanding Same

Current rating · Exam: November 2010

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.68%

Institution Profile

FDIC BankFind

Address

500 Delaware Ave, WILMINGTON, DE

County

New Castle County

Established

February 18, 1832

Total Assets

$22.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

November 22, 2010

Exam Type

Large Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 15 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$22.0B

Total Deposits

$18.8B

Net Loans

$13.2B

Net Income

$91M

ROA

1.68%

ROE

13.64%

Risk-Based Capital

15.21%

Regulatory minimum: 8%

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

Mortgage Denial Rate20.63%Peer avg: 26.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

95

Branch Deposits

$17.5B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244,96465.45%20.63%
20234,43362.15%22.04%
20225,78163.64%22.21%
20217,26769%16.91%
20206,20571.02%14.34%
20194,30865.95%19.71%
20183,36964.41%23.09%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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