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Wilmington Trust National Association

IDRSSD: 2265456
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2023-Q4QoQ -24

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #2265456 2023-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Watch
Reserves:Watch

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 746.6% (threshold 100%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.62% (govt-guarantees stripped).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 47.4% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -24 ptscomposite
  • Liquidity
    ↓ -20
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -44
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -20
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 746.6%, cash 78.8% of assets.

Cash / Assets
78.77%
Loans / Deposits
746.64%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 746.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.16%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 263.48%, CET1 263.48%, leverage 86.00%.

Tier 1 RBC
263.48%
CET1
263.48%
Leverage
86.00%
No watch items at this period.

Asset Quality

WatchQoQ -44
56
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.62%, Texas Ratio 0.4%, NCO YTD -2.49%.

Adjusted NPL
4.62%
Govt-guarantees stripped
Texas Ratio
0.4%
NCO YTD
-2.49%
30-89 PD
2.25%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.62% (govt-guarantees stripped).

Reserves

Watch
42
Sub-score

Reserves are deteriorating: ALLL 2.15% of loans, coverage 47.4%, true coverage 47.4%.

ALLL / Loans
2.15%
Coverage
47.4%
True Loss Coverage
47.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 47.4% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 47.4% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 11:45:18 UTC