# BARCLAYS BANK DELAWARE
WILMINGTON, DE · FDIC certificate 57203 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $43.45B | |
| Deposits | $35.31B | |
| Loans and leases | $29.57B | |
| Total equity | $6.03B | |
| Loans / deposits | 76.27% (p25 of band) | 85.78% |
| Liquid assets / assets | 29.75% (p75 of band) | |
| Uninsured deposits / deposits | 7.18% (p12 of band) | 38.39% |
| Brokered deposits | 12.63% | |
| Wholesale funding | 14.66% (p80 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.76% (p68 of band) | 10.17% |
| Unrealized securities loss / equity | -0.37% (p92 of band) | -7.43% |
| AOCI / equity | -0.81% (p22 of band) | |
| ROA (annualized) | 2.40% (p95 of band) | 1.24% |
| Net interest margin | 11.43% (p99 of band) | 3.57% |
| Efficiency ratio | 54.95% (p50 of band) | |
| Noncurrent loans | 1.67% (p90 of band) | 0.66% |
| Net charge-offs (annualized) | 3.05% (p99 of band) | |
| Reserve coverage of noncurrent | 532.93% | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p6 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p8 of band) | |
| Deposits YoY | 1.1% | |
| Employees | 4631 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

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

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

- 2025-10-28 [Barclays to Acquire Leading U.S. Personal Loan Originator Best Egg - Barclays Group](https://news.google.com/rss/articles/CBMihgFBVV95cUxPWnJyMjBZMThQOUd5LWVlTWt3Y0NHVWFvZllMdGVhU0JuU2hWN0lyTWtKQVRvREFkTTlSMXpnQVlMU25zWkhuS1RRM1FEWXo3UnFJWFlfejhjLXdwZkQxamQwTHBDRkVKUXF3SmZOUzNUeVdiVHVLRnVua19ndklERlR1cDEtQQ?oc=5) · Barclays Group
- 2025-10-29 [Barclays to acquire loan origination platform Best Egg for $800m - Retail Banker International](https://news.google.com/rss/articles/CBMijgFBVV95cUxOajQzemNwVEFad3o3RWdSMUVSVFphRU9LQlpjTXh4aExOdzFaR3NzbXRla0lFeTZMcFA3NWRCUHlxMFpGWGxPUmVuUndFZ2E4WENlZDluZW5kSFFYdHBJVWVOdFhsUE9OYTQ5UjBROVhFZzJfUFItdGMwamh2N2pSTjlIRjdEM1lVUWR5eUp3?oc=5) · Retail Banker International
- 2020-06-29 [Barclays gets state funds to add 300+ jobs - Delaware Business Times](https://news.google.com/rss/articles/CBMib0FVX3lxTE9wMmtSUEtlZXlhZ2Zmc1pKNzhkVE9XYVlqbW1lZXdKOGFSdXJBWEE0RXg2d0x2WW14SFNhcTRzLU93YWpQX1VrLW54TkJXNU1EcGx0MGRkZWJJRVZZX3lHekhJajZKbmRCeUtuVF9ROA?oc=5) · Delaware Business Times
- 2025-04-08 [Best Banks and Credit Unions in Delaware 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxObkNDbkF5eXQyckJORWhtX2dTMkd6Sm1YcFczZGhSS3pLdWtBRWxqMlRmOHZQY2JIWklkMVcyQ3ZLamhJdzRNYkpWZVFXSkhaYldaYV9XeWhYRWFxdUY1T1p4aGYzX2FqVHVEVDE4UVhEMlZVLUJ6dUp6bGF2T0h0d1UzU2FmSFpyQU42dk5UZw?oc=5) · Newsweek Rankings
- 2019-01-15 [Credit-card users have whispered about the 'Barclays blacklist' for years. Here's how I got on it. - businessinsider.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE1SQXlSTXlwRjJaZDdybUZ6Mk1vYmxYdTd4anVWZVBGS09Kdkc1NnlEMUtPaW9xZkRVQ01nUWpqMzZyeDF4OS1OUnJjRGl3TkQyV3VMOUk0dVl0Q012dXpTY0N5WGphYzlZTFFHRVZaZS1pb25xV3N6Qi1KMjQ?oc=5) · businessinsider.com
- 2015-11-13 [Sale of Citizens Bank leaves 44 foreign-owned banks that are FDIC-insured - Cleveland.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOdkFBNGxOM3pxTmtLcGhxVnJIVEtyYjVGcmRKd0IyRVhjYnR6bnBYdmtWU2MzalZnSWwyTXVBdkM2ZXRiVmVUSkZ4dGtEWTJ3Nm5hcndSV2laNW4yd012OEVFZTNXVEdjVGtNQ1VabnM0ZWVYWVlWYUZCaGxFNTZnbXJYQi0?oc=5) · Cleveland.com
- 2016-02-19 [Delaware nonprofit unveils new mobile dental clinic - WHYY](https://news.google.com/rss/articles/CBMihAFBVV95cUxNSFFNRWpXdjdQUXN2S0k1YnlxSVV3NVpYUmhOWlJleDhNcHQ4bjNob1ZDNjhocjk1Y0J6SU1mZ2ctb3UzX3BHbkhic0lPVU14ZmlzUnNjRjRLS2wxdVVsZzE5QWowaVoyT3hPb00ySmtITnRBaUJOX0xvUUZkN3Ruc2R1MV8?oc=5) · WHYY
- 2026-01-22 [Courthouse News - Purcell Register](https://news.google.com/rss/articles/CBMib0FVX3lxTE9sNlRrWVdqaXc3YjROdUh0bE5TSWhxdGpMdExoT216QnRYcTBNVVdpRVBQMTYxSktRdGJJVXlkbTh5anUwNzI3WEJRcmY5ZlFpeXNvZGxHUkl4XzdxUUM4dGZNLXRaYUFfa2dnVWdEdw?oc=5) · Purcell Register

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57203 (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/51.json (key "57203", 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