# WILMINGTON TRUST NA
WILMINGTON, DE · FDIC certificate 34069 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $772.1M | |
| Deposits | $4.9M | |
| Loans and leases | $23.8M | |
| Total equity | $681.2M | |
| Loans / deposits | 474.17% (p100 of band) | 82.04% |
| Liquid assets / assets | 84.02% (p99 of band) | |
| Uninsured deposits / deposits | 77.80% (p99 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 86.89% (p100 of band) | 10.81% |
| Unrealized securities loss / equity | 0.00% (p97 of band) | -8.10% |
| AOCI / equity | 0.00% (p75 of band) | |
| ROA (annualized) | 1.78% (p79 of band) | 1.28% |
| Net interest margin | 8.03% (p100 of band) | 3.91% |
| Efficiency ratio | 95.42% (p97 of band) | |
| Noncurrent loans | 6.86% (p100 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p9 of band) | |
| Reserve coverage of noncurrent | 21.89% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -8.2% | |
| Employees | 921 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **uninsured deposits >50%** (`liq_uninsured`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, wholesale funding >15%, liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 5 | losing money |  |
| 2011-09 | 3 | NIM <2.5% | loans exceed deposits, wholesale funding >15%, liquid assets <10% |
| 2011-12 | 5 | loans exceed deposits, wholesale funding >15% |  |
| 2012-03 | 4 | expense ratio p90 | NIM <2.5%, wholesale funding >15% |
| 2012-06 | 3 | uninsured deposits leaving | losing money, loans exceed deposits |
| 2012-09 | 2 |  | expense ratio p90 |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | uninsured deposits >50%, expense ratio p90 | uninsured deposits leaving |
| 2013-06 | 5 | deposits shrinking, assets shrinking |  |
| 2013-09 | 4 | capital falling | deposits shrinking, assets shrinking |
| 2013-12 | 5 | deposits shrinking, assets shrinking | capital falling |
| 2014-03 | 3 |  | deposits shrinking, assets shrinking |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 | noncurrent p90 | expense ratio p90 |
| 2015-09 | 7 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 6 |  | capital falling |
| 2016-03 | 6 | expense ratio p90 | uninsured deposits leaving |
| 2016-06 | 4 | capital falling | noncurrent p90, deposits shrinking, assets shrinking |
| 2016-09 | 5 | noncurrent p90 |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 5 | NIM <2.5% | expense ratio p90 |
| 2017-06 | 4 |  | capital falling |
| 2017-09 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-12 | 3 |  | NIM <2.5%, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-03 | 8 | capital falling, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-06 | 2 |  | reserve under noncurrent, capital falling, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-09 | 3 | reserve under noncurrent |  |
| 2018-12 | 5 | deposits shrinking, assets shrinking |  |
| 2019-03 | 5 | losing money, expense ratio p90 | deposits shrinking, assets shrinking |
| 2019-06 | 5 |  |  |
| 2019-09 | 4 |  | losing money |
| 2019-12 | 4 |  |  |
| 2020-03 | 5 | capital falling |  |
| 2020-06 | 5 |  |  |
| 2020-09 | 4 |  | capital falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 5 | capital falling |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 6 | leverage <7% |  |
| 2021-12 | 6 |  |  |
| 2022-03 | 7 | loans exceed deposits, deposits shrinking, assets shrinking, uninsured deposits leaving | uninsured deposits >50%, capital falling, leverage <7% |
| 2022-06 | 7 |  |  |
| 2022-09 | 8 | capital falling |  |
| 2022-12 | 7 |  | capital falling |
| 2023-03 | 6 |  | uninsured deposits leaving |
| 2023-06 | 4 |  | expense ratio p90, assets shrinking |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | uninsured deposits >50% |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 6 | assets shrinking |  |
| 2024-09 | 5 |  | assets shrinking |
| 2024-12 | 5 | capital falling | deposits shrinking |
| 2025-03 | 4 |  | capital falling |
| 2025-06 | 5 | deposits shrinking |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 6 | expense ratio p90 |  |
| 2026-06 | 6 |  |  |

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

- 2023-05-02 [Former Wilmington Trust CIT Division Rebranded as Great Gray Trust - plansponsor](https://news.google.com/rss/articles/CBMimwFBVV95cUxOMUg2YnVIa0dMd3g5YWNsYzFfWXc0MExPWHJ4VFpua3dXWERaZ3FRSkNtaTdTRTBJdDAtU2gyemE3SzRIc3VPSVRQV2ZJbFQ4ejNkUEtmZzlFUHc0X3RPMS1FdExvQmx6LTc3OEpoQ1gtWmFzOFNlYURHNmF2Q09pZW1takRXdE1FbzB4SjdQZW1ZU2h5RVVFMG5RVQ?oc=5) · plansponsor
- 2022-02-04 [Retirement Industry People Moves - planadviser](https://news.google.com/rss/articles/CBMihwFBVV95cUxOclFzSXd0U2xYUTZsclRkOVB2ZWlhLXJKRHZmVEwtYmlvVng0dHNXNW9HbThTMm5ZZ29PSHVnenRWRk5LeFpVMHJDVFJUT1BGV2J6ODJTRTB0Q3NNVDlnT3c1SzRoR0NrQVFuZEpOMVFjM1RvSFFVQnhtSWhUV0ZJQ3l2TGlod00?oc=5) · planadviser
- 2025-09-15 [Fallout from Tricolor bankruptcy intensifies throughout subprime space - Auto Remarketing](https://news.google.com/rss/articles/CBMisgFBVV95cUxPMFhTNmtzeFFlOWZudlQ4c0NxU1YtUk51VFMzcEZJLWNjcWRSZGRjamNTY1pvT1NGcVoyenVQYmVMcWlXaEpoNGxLUk55eS1lWC1rWWhzRGVycDJaQXRhZlpmS2ZFMmo0X0pSS0RoU3JhWmlmWEhaMTBLaEVFMUJocU1ETnUzMXBqeEdHU25Eekl3QjBVN1NGaC1SbjBfa0dNUWZLdERSSzRrV1lzbW5EZG9n?oc=5) · Auto Remarketing
- 2024-05-02 [Coal Capital’s Lake Worth Beach rehab complex faces foreclosure - The Real Deal](https://news.google.com/rss/articles/CBMinwFBVV95cUxOTldFU3YxeTFESTA4T0dBWGFFbnRDcW1rbkJ6Yng4c09oRnJsVVJzSC1oYi1sUUNyblAxakdBSW01RnZ2UlZxdk5wSElHcDdQc09DdHdpVnNUMEZtTXYxMnc3ZlBhcV9uOHFBSUtoT0J4bWdLYXNYaDgwaXFpamJ6eUc3cVJ6UVczdEwyU1lPM2FIenpBX1h4U2lxWjhYYjg?oc=5) · The Real Deal
- 2020-11-20 [Offshore Oil-Rig Operator Noble Cleared to Exit Chapter 11 - wsj.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPTDhMMHY0Y3ItTWE5Q1hObTR5ZFlSX2FrUm1mWm5MWDZhTWtVV1lMNXp4NHdlQmF1WWhrSk8waUQ4Y3Vodkp0S2EwcTREcGZyeWhQU01iSnVaR05uV2Rkc3p1ZDgzdUxEU3RvZ2xlWWtnMDc0Uy1GVl9ESFlVNnpvd09IazctOTg3anlhRWNCR1ZXT3Nzb05CcUdfdENFR0Fp?oc=5) · wsj.com
- 2019-12-13 [One $1M sale, four top $500K in November transfers - ctpost.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQWGsxbXRUMTM3QnNzMDJBZmRsb2ljOGY4UmoyQXo3OW5VOEZWb2RONElXYUlFTzlkOXhoQUQtVlhVRFVkTjZSZWVZdVltUloxaGVLYUg0ZzU3WUVMdUdKR2prY3JfeUI5aVNNY0Vob3AxME0wYUNLN1Y1NVc5aC1hdDFOQUNJUUEtbEt3cDdQaF92V01pN0x2VXpDbVg?oc=5) · ctpost.com
- 2014-04-24 [Cengage Learning files for Chapter 11 bankruptcy protection - Financier Worldwide](https://news.google.com/rss/articles/CBMimgFBVV95cUxPUFA3S0h3S0ktc0lETVhsOEM0SFQwTjIyeGpic1ZkQ0lZZE9MQmlFSmYyb0ttRTB2ZHBFdjYtZjJOTTB3ZXNmZk5TZEdHZGtSMTYxRWVyUExoV0J1ajl3aVE0YnRfREg2eXJfQms3QUdNLVZ3MkxCWVJOdWI5ZmlIam1SU0NPeGtnWkIyN0lWYUh1WE1KNU5jUFJR?oc=5) · Financier Worldwide
- 2020-09-24 [Noble Settles Multibillion-Dollar Suit Over Paragon Spinoff - wsj.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNQ0pWYTFiOVNOcEotRHphX3ZkMkRodTc1R09lMDNkcm9Dby16dHpqR2Z5TlpGY2dBWS1pdHhIVXYxMktLdDVQOHFOLVJMOW1WMHpITDR4Tzdla0VUSHQwVTdsZmFIYWQ4TWZJZWVROU12azJTbEZzM2dhQmdMMVdrV3dmOE9qeXcwYWVwaExId191R09yTWRoY2hVeHFUT3lSelE?oc=5) · wsj.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34069 (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/21.json (key "34069", 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