The Wilmington Savings Bank (FDIC certificate #31539) is based in Wilmington, Ohio. Its Q2 2026 call report shows $267.3M in total assets and $228.1M in deposits and 2 offices.
The Wilmington Savings Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 50% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 65th. Capital cushion contributes the most (96/100, 14.61%); funding & liquidity contributes the least (39/100, 91% loans-to-deposits, 43% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 72).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 69 |
| Q4 2024 | 69 |
| Q1 2025 | 71 |
| Q2 2025 | 73 |
| Q3 2025 | 72 |
| Q4 2025 | 72 |
| Q1 2026 | 73 |
| Q2 2026 | 72 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.19% |
| Q3 2024 | 14.71% |
| Q4 2024 | 14.78% |
| Q1 2025 | 14.91% |
| Q2 2025 | 15.00% |
| Q3 2025 | 14.61% |
| Q4 2025 | 14.39% |
| Q1 2026 | 14.63% |
| Q2 2026 | 14.61% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.82% |
| Q3 2024 | 0.66% |
| Q4 2024 | 0.84% |
| Q1 2025 | 0.87% |
| Q2 2025 | 0.79% |
| Q3 2025 | 0.81% |
| Q4 2025 | 0.77% |
| Q1 2026 | 0.86% |
| Q2 2026 | 0.82% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.16% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.68% |
| Q3 2025 | 0.66% |
| Q4 2025 | 0.77% |
| Q1 2026 | 0.89% |
| Q2 2026 | 0.78% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $267.3M | 14.61% | 0.82% | 0.78% | 90.9% |
| Q1 2026 | 73 | $265.1M | 14.63% | 0.86% | 0.89% | 90.4% |
| Q4 2025 | 72 | $266.8M | 14.39% | 0.77% | 0.77% | 87.7% |
| Q3 2025 | 72 | $258.8M | 14.61% | 0.81% | 0.66% | 84.5% |
| Q2 2025 | 73 | $251.1M | 15.00% | 0.79% | 0.68% | 89.1% |
| Q1 2025 | 71 | $244.1M | 14.91% | 0.87% | 0.52% | 85.9% |
| Q4 2024 | 69 | $243.5M | 14.78% | 0.84% | 0.27% | 88.5% |
| Q3 2024 | 69 | $240.4M | 14.71% | 0.66% | 0.16% | 87.9% |
| Q2 2024 | 68 | $241.7M | 16.19% | 0.82% | 0.04% | 88.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of DennisonBank Dennison, OH | 71 out of 100, Strong | $267.4M | 10.3% | 0.22% | vs |
| The Harrison Building and Loan AssociationBank Harrison, OH | 86 out of 100, Very strong | $268.0M | 17.6% | 0.39% | vs |
| Riverside Bank of DublinBank Dublin, OH | 58 out of 100, Moderate | $269.0M | 9.1% | 0.38% | vs |
| The Apple Creek Banking CompanyBank Apple Creek, OH | 70 out of 100, Strong | $270.6M | 9.2% | 0.00% | vs |
| Greenville FederalBank Greenville, OH | 57 out of 100, Moderate | $263.9M | 7.8% | 0.09% | vs |
| First Bank of Central OhioBank Worthington, OH | 46 out of 100, Below average | $260.9M | 9.9% | 1.48% | vs |
Deposit insurance
Is my money safe at The Wilmington Savings Bank?
Yes. The Wilmington Savings Bank is an FDIC-insured institution (FDIC certificate #31539). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 42.5% of deposits ($97.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.61%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
The Wilmington Savings Bank lists 2 offices in 2 cities. Most locations:
- Hillsboro, OH (1)
- Wilmington, OH (1)
Identity & history
Profile
- Legal name
- The Wilmington Savings Bank
- Former names
- Wilmington Savings Association
- Type
- State-chartered bank
- FDIC certificate #
- 31539
- RSSD ID
- 87476
- Primary regulator
- FDIC
- Established
- January 1, 1890
- Headquarters
- 184 N South St, Wilmington, OH 45177
- Website
- www.wilmingtonsavings.com
- Employees
- 21
Quick answers
The Wilmington Savings Bank: common questions
Is The Wilmington Savings Bank FDIC insured?
Yes. The Wilmington Savings Bank is an FDIC-insured institution (FDIC certificate #31539). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Wilmington Savings Bank's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Wilmington Savings Bank ever failed?
There is no failure record for FDIC certificate #31539 in the FDIC failed bank list.
How many branches does The Wilmington Savings Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Wilmington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Day Air Credit UnionCredit union Kettering, OH | 82 out of 100, Strong | $908.8M | 14.6% | 0.96% | vs |
| Kh Credit Union, Inc.Credit union Dayton, OH | 79 out of 100, Strong | $71.1M | 12.9% | 0.31% | vs |
| Christian Family Credit UnionCredit union North Canton, OH | 79 out of 100, Strong | $93.2M | 13.5% | 0.38% | vs |
| The First National Bank of BlanchesterBank Blanchester, OH | 77 out of 100, Strong | $77.7M | 10.6% | 0.15% | vs |
| Civista BankBank Sandusky, OH | 75 out of 100, Strong | $4.3B | 12.7% | 0.92% | vs |
| Union Savings BankBank Cincinnati, OH | 74 out of 100, Strong | $4.0B | 10.5% | 0.70% | vs |