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Wilmington Savings Fund Society Fsb

IDRSSD: 437914
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 437914 held $22.0B in total assets as of 2026-03-31 (+3.8% quarter-over-quarter). Total loans stood at $13.2B (+0.1% QoQ) and total deposits at $18.8B (+4.7% QoQ).

Overall position is adequate — the composite Health Score is 69/100 (Adequate). Tier 1 / RWA stands at 14.01%, in the above median of peers. Asset quality (NPL ratio) sits in the below median of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
69/100
Adequate
Active Alerts
1
0 critical, 0 warning
Total Assets
$22.0B
+3.8% QoQ
Total Loans
$13.2B
+0.1% QoQ
Total Deposits
$18.8B
+4.7% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
14.01%
61th pctile · n=75↑ better
-5 bp QoQ
CET1 / RWA
14.01%
67th pctile · n=75↑ better
-5 bp QoQ
Total RBC / RWA
15.21%
65th pctile · n=75↑ better
-4 bp QoQ
Tier 1 Leverage Ratio
14.01%
61th pctile · n=75↑ better
-5 bp QoQ

Liquidity

Cash / Assets
11.21%
87th pctile · n=75↑ better
+324 bp QoQ
Loans / Deposits
70.07%
20th pctile · n=75↓ better
-322 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.65%
52th pctile · n=75↓ better
-5 bp QoQ
NPA / Assets
0.45%
47th pctile · n=75↓ better
+1 bp QoQ
Texas Ratio (regulatory)
4.10%
45th pctile · n=75↓ better
+23 bp QoQ
Net Charge-Offs / Avg Loans
-0.10%
0th pctile · n=75↓ better
-56 bp QoQ
ALLL Coverage of NPL
206.57%
55th pctile · n=75↑ better
+1610 bp QoQ

Earnings

Net Interest Margin
3.94%
73th pctile · n=75↑ better
-15 bp QoQ
Return on Assets
1.68%
77th pctile · n=75↑ better
+23 bp QoQ
Return on Equity
13.64%
76th pctile · n=75↑ better
+202 bp QoQ
Efficiency Ratio
55.67%
51th pctile · n=75↓ better
-4 bp QoQ
Pre-tax NOI / Avg Assets
2.18%
80th pctile · n=75↑ better
+27 bp QoQ

Funding

Brokered / Deposits
0.00%
10th pctile · n=75↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.12%
28th pctile · n=75↓ better
+4 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
20.62%
67th pctile · n=75↑ better
-64 bp QoQ
AFS Securities / Assets
16.27%
72th pctile · n=75↑ better
-43 bp QoQ
HTM Securities / Assets
4.35%
61th pctile · n=75↑ better
-21 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-12 19:56:59 UTC