TellerScore

Wilmington Savings Fund Society, FSB (FDIC certificate #17838) is based in Wilmington, Delaware. Its Q2 2026 call report shows $22.6B in total assets and $19.3B in deposits and 95 offices across 3 states.

Wilmington Savings Fund Society, FSB has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 76% of its 132 banks with $10 billion – $100 billion. Among 17 banks headquartered in Delaware, it ranks 8th. Problem-loan coverage contributes the most (94/100, 3.2%); capital cushion contributes the least (54/100, 10.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.36%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.57%
Earnings84/100
Return on assets (annualized): 1.60%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 69.0% · 46.1% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.17%

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

From Q2 2025 to Q2 2026, the score rose 5 points (66 → 71), mostly because the loan quality component improved by 14 points.

TellerScore
666972Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202467
Q4 202467
Q1 202568
Q2 202566
Q3 202570
Q4 202569
Q1 202672
Q2 202671
Tier 1 leverage ratio
5.00%8.10%11.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.44%
Q3 202410.68%
Q4 202411.03%
Q1 202511.19%
Q2 202510.29%
Q3 202510.62%
Q4 202510.69%
Q1 202610.58%
Q2 202610.36%
Noncurrent loans
0.56%0.78%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.56%
Q3 20240.91%
Q4 20240.99%
Q1 20250.94%
Q2 20250.98%
Q3 20250.66%
Q4 20250.71%
Q1 20260.65%
Q2 20260.57%
Return on assets
1.34%1.51%1.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.40%
Q3 20241.35%
Q4 20241.34%
Q1 20251.35%
Q2 20251.40%
Q3 20251.43%
Q4 20251.43%
Q1 20261.68%
Q2 20261.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$22.6B10.36%0.57%1.60%69.0%
Q1 202672$22.0B10.58%0.65%1.68%70.1%
Q4 202569$21.2B10.69%0.71%1.43%73.3%
Q3 202570$20.8B10.62%0.66%1.43%73.0%
Q2 202566$20.7B10.29%0.98%1.40%73.9%
Q1 202568$20.5B11.19%0.94%1.35%75.7%
Q4 202467$20.7B11.03%0.99%1.34%75.2%
Q3 202467$20.8B10.68%0.91%1.35%78.5%
Q2 202469$20.6B10.44%0.56%1.40%78.1%

132 peers · $10 billion – $100 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).

Capital ratio10.36%
58th
Total risk-based capital14.94%
64th
Problem loans0.57%
58th
Net charge-offs0.05%
70th
Return on assets1.60%
78th
Net interest margin3.95%
73rd
Efficiency ratio55.7%
44th
Loans to deposits69.0%
85th
Uninsured deposits46.1%
30th
Loan-loss reserves1.31%
74th
Texas ratio3.2%
62nd

Similar-size banks in Delaware

InstitutionScoreAssetsCapitalProblem loansCompare
TD Bank USA, National AssociationBank Wilmington, DE59 out of 100, Moderate$32.1B11.6%2.08%vs
Barclays Bank DelawareBank Wilmington, DE70 out of 100, Strong$43.5B10.8%1.67%vs

Deposit insurance

Is my money safe at Wilmington Savings Fund Society, FSB?

Yes. Wilmington Savings Fund Society, FSB is an FDIC-insured institution (FDIC certificate #17838). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 46.1% of deposits ($8.9B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.36%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.94% (benchmark: 10%).

Check how much of your own balance is covered

95 locations

Branches

Wilmington Savings Fund Society, FSB lists 85 offices in 60 cities across 3 states. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 277 consumer complaints about WSFS FINANCIAL CORPORATION to the company (107 in the last 12 months). 99.3% received a timely response. That is 14.3 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

HMDA 2025

Mortgage lending

In 2025, Wilmington Savings Fund Society, FSB reported 5,478 home-loan applications under HMDA (LEI 5493005DKMV1IHIM8E20): 3,884 originated ($1,187,990,000 total), 888 denied, and 637 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Wilmington Savings Fund Society, FSB
Former names
Wilmington Savings Fund Society
Type
Savings bank
FDIC certificate #
17838
RSSD ID
437914
Primary regulator
OCC
Holding company
Wsfs Financial Corp
Established
February 18, 1832
Headquarters
500 Delaware Ave, Wilmington, DE 19801
Employees
2,336

Quick answers

Wilmington Savings Fund Society, FSB: common questions

Is Wilmington Savings Fund Society, FSB FDIC insured?

Yes. Wilmington Savings Fund Society, FSB is an FDIC-insured institution (FDIC certificate #17838). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Wilmington Savings Fund Society, FSB's TellerScore?

71 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 Wilmington Savings Fund Society, FSB ever failed?

There is no failure record for FDIC certificate #17838 in the FDIC failed bank list.

How many branches does Wilmington Savings Fund Society, FSB have?

95 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Wilmington

InstitutionScoreAssetsCapitalProblem loansCompare
B. Braun Federal Credit UnionCredit union Allentown, PA100 out of 100, Very strong$1.9M25.1%0.00%vs
Police & Fire Federal Credit UnionCredit union Philadelphia, PA96 out of 100, Very strong$10.2B18.6%0.24%vs
HSBC Trust Company (Delaware), National AssociationBank Wilmington, DE94 out of 100, Very strong$57.2M97.8%0.00%vs
Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA94 out of 100, Very strong$71.6M25.3%0.69%vs
Applied BankBank Wilmington, DE93 out of 100, Very strong$274.1M17.5%0.00%vs
Deutsche Bank Trust Company DelawareBank Newark, DE93 out of 100, Very strong$141.4M93.2%0.00%vs