# WILMINGTON TRUST CO
WILMINGTON, DE · FDIC certificate 680 · asset band $1-10B · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $1.15B | |
| Deposits | $575.3M | |
| Loans and leases | $0 | |
| Total equity | $525.1M | |
| Loans / deposits | 0.00% (p1 of band) | 79.44% |
| Liquid assets / assets | 50.87% (p90 of band) | |
| Uninsured deposits / deposits | 0.00% (p1 of band) | 17.54% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p2 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 91.51% (p100 of band) | 9.28% |
| Unrealized securities loss / equity | 0.00% (p14 of band) | 2.76% |
| AOCI / equity | 0.00% (p11 of band) | |
| ROA (annualized) | 0.16% (p18 of band) | 0.72% |
| Net interest margin | 0.00% (p1 of band) | 3.67% |
| Efficiency ratio | 58.05% (p30 of band) | |
| Noncurrent loans | 0.00% (p1 of band) | 2.56% |
| Net charge-offs (annualized) | 0.00% (p7 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p3 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p41 of band) | |
| Deposits YoY | – | |
| Employees | 705 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | brokered >10%, wholesale funding >15%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | brokered >10%, wholesale funding >15%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |

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

- 2013-11-12 [Wilmington Trust troubles haunt M&T - delawareonline.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxPQVhZc2pLSkFJTkVscGdnQlFlUjZXOTJzTkdlWm5CSzd5Mno5Q0FLcDNhSWstQnFwdURkaHZvcjdSUzRmME1KUndXelNOZFNfVnJNMDktRUdBUDdtTkNOdmUtM2ZRTXZqSFp6UGVFQmF4LU9WOS0temU3RXBlRGhFWEI5YmdlZ1R2ZnRjZllCU21rZ0E4eDdXa3JPa095NFlxdE5vV0lR?oc=5) · delawareonline.com
- 2026-04-17 [Thomas Elwood Rust Obituary Apr 14, 2026 - Short Funeral Services, Inc.](https://news.google.com/rss/articles/CBMie0FVX3lxTFB5Qm9EUmc0enNUMDN1aGRlR2hESF8ta3BkU05FdHpLTW1EU085ajNrcGNCcXpjOEFNRUJZamd1c0c5enB0SzduUUVObXpZTy0xOHZGeU15TkRrYTNkZ2ZHMzRodTFPblEzcm9fZnlDTlBPcHpJUHZ4bk93UQ?oc=5) · Short Funeral Services, Inc.
- 2026-03-09 [As corporations vanish from central Wilmington, Del., apartments are taking their place - Inquirer.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxPRTRlWDlZMlV1VnJBT01TQlNhVWd0VkY5SEp1U1ktcU5vQjR6cTUtVWx6Rl9SRkFmRFRLSnF6TnU5R1JTejhrWGZDQWRYWXRCOXlpZm9iaWhIZUk1NHJ2dVhIRGEyeWhWNzFxWlBSV0Rhem1zbkxOekVyZHhNa1ppV1VVTW9iMTIyajhPNllwVXlYWGhtUG5WSVdGRHRQN3otbkdWRVgtZXhLMDRfQmp0YlNmUm9UX3NicFE?oc=5) · Inquirer.com
- 2014-11-13 [Former Wilmington Trust officer pleads guilty - delawareonline.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxPVEhPR1ZMeFp0N1dzWkRsaVJXNmxnM2p6dkRZc2MycXRRajF4bEZlUmZad2FLTFlvd09qRDBCMDc0b2VnSEdVRC1HS0lJdmVjaDliNUJRNlJhbFhLcGYzNGVvcDZMTzdGQUpjRlZSNUpETks3ZHQtMTNtOGh3MVFPWGtUSGY2N3NoQXI2RFJZMVBNRXhXbWFabGZjTnV4NDRHNnpRQlJJcm96azlzYTlwVk13cXA?oc=5) · delawareonline.com
- 2009-11-07 [CATHERINE CUMMINGS Obituary (2009) - Wilmington, DE - The News Journal - Legacy obituary](https://news.google.com/rss/articles/CBMinAFBVV95cUxOSXlkZEwzS0EzdzNnVzZ2RTg1M0FGUi1MdkZYcFZwWEQ0SUNoSDhOcjhndlV5RHFmT2RpZEloSGdLRThJX2lib213WkNFM0ZEWW83cG9LRFN6M0M0NUpWSGtsTkRSTnlVOXVjWDI4Q29waGZyX1FSV2d5eHpPTVlXTzdVams3MFNPT3ZmeDZxVXdYcXVqQXB0cDluLUs?oc=5) · Legacy obituary
- 2023-12-28 [Federal investigation is looking for at least $75 million in missing silver and gold from a Delaware warehouse - Inquirer.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxNWlgxWGl6QTZUSjBZNUhDN2FKU2Nnb1ZDMXl2X01qRWxnOXhJQ28yQ1g4ZEZudEhhRWluM19EbE91MHpqMm42bHF1Y1hWZVJTMVJMUlZwUXgtRzdVOENRcUN3cTNLOGU2b3VCZGZoZUgzMHJIb2RoRmc0cHRhX2x2ZDRRLTZqOGNpTGhIRGszRUdKVGdiSnlQQl9uai1uMzBEbW9vbEctSVVKbXR5blNJQ015cENPVlppWklXQTNJUWlfN2dtcENJOWl3?oc=5) · Inquirer.com
- 2018-12-19 [Archives: Former Wilmington Trust executive Terranova pleads guilty in fraud case - delawareonline.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxQcWlnMWdwSm9LRzJqN3kwUUVDcTJkNlpsRGZtM2lKc3ZtZnlwdHZBdU5GVTRabERvQmRhaDkwVWhyYk1KTW1KVDFlTUpVTGhmR2hqMU91OGhqQjFveXpydld4Qnc3dDlCV0VpTFlpeGVsWFVoR0JrcUYycGNNNXhOc1ZTTjdoZWM4QlBRSjVHeXRxZ1VFekliOWZ5REJTR09TTGN5MEpjeGxlaEhGZHJ3TlBvOXhRZVV5c0FzRHlxUmZZYUR5aFhYYWYtOWQ?oc=5) · delawareonline.com
- 2012-11-30 [DANIEL POWELL ROTH - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxNYl9LVWd5cHZLaTZFS1dnU2gwS0RHUXU2TzlEYURCRGxTam5GY3VDZzdvSVFmVFpvcFh5N1psaC1obDhRUUpDcVpuUlFoSE9HT2doNEFSeHRMNmd2SWpVQUZfVVNGeHlYRWlrRWxnYkp2OWlTR1lycVRNdGY5SFBtZnIzN0hEMFlsdWlXWkd3?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=680 (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/40.json (key "680", 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