# WILMINGTON TRUST NA
BALTIMORE, MD · FDIC certificate 33911 · asset band $300M-1B · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $494.9M | |
| Deposits | $108.6M | |
| Loans and leases | $0 | |
| Total equity | $225.3M | |
| Loans / deposits | 0.00% (p0 of band) | 78.35% |
| Liquid assets / assets | 53.67% (p93 of band) | |
| Uninsured deposits / deposits | 0.00% (p1 of band) | 11.83% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p4 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 94.75% (p100 of band) | 9.34% |
| Unrealized securities loss / equity | 0.00% (p13 of band) | 2.85% |
| AOCI / equity | 0.00% (p9 of band) | |
| ROA (annualized) | -0.02% (p15 of band) | 0.66% |
| Net interest margin | 0.00% (p0 of band) | 3.72% |
| Efficiency ratio | 98.38% (p93 of band) | |
| Noncurrent loans | 0.00% (p1 of band) | 2.17% |
| Net charge-offs (annualized) | 0.00% (p8 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 423 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 3 | losing money, expense ratio p90 | leverage <7%, reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-20 [RICHARD ADAMS III - Maryland Daily Record](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBseWlCSkQ5OW94elFJd2lUQzdtMUJTNm4tdEdOd3NWcWtiajhzZFk3M2tXTzhIa2JocEVHUkFQd2pUSHVYX2p1b0Q1SFByQ3RTeWV0MTVXdTBfdUNzdGVHdVI1eFJiZVk?oc=5) · Maryland Daily Record
- 2022-11-09 [Wilmington Trust Unveils Southwest Florida Team: Curt Edwards Named President; Hurricane-Relief Contribution Announced - PR Newswire](https://news.google.com/rss/articles/CBMiggJBVV95cUxOSTlDSkRzTGFrMV9IQWZiRHdRaC1tYl9fckt2REVzY09tMEhMNWpVSDlKX2JHbFVYY0NVOEYySkRHMnppQ1Y4Nmk0NXhkcmFESDk4Q3F1Mi16SEoxaWlMVm5Cdm92c3hfaVRrc1FFbFNnaU5WRWRFRU9ud05KMW5OUHgxNGczeXJkOElhSHUwTktuak11ckVmclhBTlh6M25lQWZVM2FfRHkxTkM0M2ZNcmxfM0JnT2pmWVFaZkRJTlNnT284TUxHaEU2VUhTQmNqMm10ZjBvN0JuandsNkkyTHZuQXpsWnpLTUFJRjNfZ0psOVBLbGxhVlZUVUJkNGh4VGc?oc=5) · PR Newswire
- 2023-05-02 [Former Wilmington Trust CIT Division Rebranded as Great Gray Trust - plansponsor](https://news.google.com/rss/articles/CBMimwFBVV95cUxOMUg2YnVIa0dMd3g5YWNsYzFfWXc0MExPWHJ4VFpua3dXWERaZ3FRSkNtaTdTRTBJdDAtU2gyemE3SzRIc3VPSVRQV2ZJbFQ4ejNkUEtmZzlFUHc0X3RPMS1FdExvQmx6LTc3OEpoQ1gtWmFzOFNlYURHNmF2Q09pZW1takRXdE1FbzB4SjdQZW1ZU2h5RVVFMG5RVQ?oc=5) · plansponsor
- 2026-02-18 [M&T BANK CORP SEC 10-K Report - TradingView](https://news.google.com/rss/articles/CBMilgFBVV95cUxNM2dUTEtCeHNCanN2MGhOa1cxT09lVjM2UGxiSnFkQmJEN3lqc3R4Mml4Sk9IOUdIWGV2cXlESkk1WDNyVnZVRzd4N2U3ZG5TTXUtYTB5TDZBMDY1U09uaU5IcUFlVjZ0bXBIRUpRM2htVllqQjNmNlZ1clZGajNjejk3MTBpMkd1UkNCUXBOd0FXOFpvWGc?oc=5) · TradingView
- 2022-01-26 [Jennifer Warren to Join M&T Bank/Wilmington Trust as EVP - citybiz](https://news.google.com/rss/articles/CBMimgFBVV95cUxNWmxuSFkza08wVnEwQjlnbEg2cVBNVGtkNEZYdEhJQzNZZHc4TFpMRTN0bFB5OXlPWEJUMFNDU3NHQkRWV2xjMzA3emI4OWxGeVVBdTVDYVVFX3ZXNTZlc29tTHlrRWM5bTlOUkNOZHhpYy1kNFg5SXc2anZndXdONkdWNGpjMDZRVWRfYTlCS1RIUGtiS19CeEdn?oc=5) · citybiz
- 2019-11-19 [Wilmington Trust Expands Global Loan Agency Services Team with Two Key Hires - PR Newswire UK](https://news.google.com/rss/articles/CBMizwFBVV95cUxNZ21BdWd1bm5tWHNEUEZPdUtMbzVqaVJhOERRMDh1bUwwaWdUcGRoMllPazB2dVc2NXJJc1B0T1dDS0JzSjItWG8zekUtYVdsdUY2YVRJbFNoUHA3eHVQZGlfNFRYM296aGR6WDRILXhkYkhuUmxaZS04SXRtS1QxSWVyMGRVRUNmRmpOdmZJdDZsaW5SX05Ha0ZtNzZXZ0RxUmIzU2Jhb0Z5TC1QRDlsdmxxNUpQREY2Nk9kSnhIeUxWNW9seFc1dFlVdkpnY1E?oc=5) · PR Newswire UK
- 2017-12-08 [Wilmington Trust's Patricia Farrell leads Buffalo, Rochester markets - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOQy1fdnVYRnNUcWxNYVNqRXF2X3d5cHA5SUo3TGp5NmJpTmR4SnNscno3YVZVX2pfUUFPM1JkRGd4LXpQQWtpcDhkV1V5UGl5a2xZRzQwOW5hLVlMdXFJYldxS2hxTkRUcm9xZ1dUSktfVk41MFhRdk5wQUhlWHl6eEUyMEtSZW1FMk84WTZUVnd6cG5Nb3hOMkhmTS1xRV8zRFRsZmZ2dEo?oc=5) · The Business Journals
- 2025-10-09 [Wilmington Trust Promotes Two to Leadership Roles - PR Newswire](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQMDl3QXBlQlpjVEFYNlVINVNBNG9MTS10NWt1MXpCcTZkcUhvSzA2NklYSWJVQkszZ0RlLXdYTXU3OElicEsxdHZrQUtXak40VkFTd2ItMktudG5sOVJBUktZenVsU0hPSlhyUkl6bVZxNV9odTY4LXRSRmk3Z0xDaVBvMWNtYjV1OERWWTdaV3VFUmdpaFRob1d4MDhuc1Q1M1VfbEdaSk8?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33911 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/55.json (key "33911", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide