TellerScore

Headquartered in Wilmington, Delaware, Wilmington Trust, National Association is a national bank with $772.1M in total assets and $4.9M in deposits as of Q2 2026. It operates 41 offices across 2 states. Its charter dates back to 1995.

Based on its Q2 2026 filing, Wilmington Trust, National Association scores 58/100, which we describe as moderate. That is higher than only 16% of 2,650 banks with $100 million – $1 billion. Among 17 banks headquartered in Delaware, it ranks 17th. Its strongest component is capital cushion (100/100; 86.89%), and its lowest is funding & liquidity (0/100; 474% loans-to-deposits, 78% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 86.89%
Loan quality0/100
Noncurrent loans ÷ total loans: 6.86%
Earnings91/100
Return on assets (annualized): 1.78%
Funding & liquidity0/100
Loans ÷ deposits and uninsured-deposit share: 474.2% · 77.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.24%

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 fell 2 points (60 → 58), mostly because the earnings component weakened by 9 points.

TellerScore
455360Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202460
Q4 202460
Q1 202560
Q2 202560
Q3 202560
Q4 202560
Q1 202645
Q2 202658
Tier 1 leverage ratio
5.00%47.15%89.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202487.74%
Q3 202486.02%
Q4 202483.37%
Q1 202586.50%
Q2 202587.44%
Q3 202589.31%
Q4 202584.22%
Q1 202686.88%
Q2 202686.89%
Noncurrent loans
3.88%5.37%6.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20243.88%
Q3 20244.53%
Q4 20244.96%
Q1 20255.20%
Q2 20254.84%
Q3 20255.66%
Q4 20256.12%
Q1 20266.58%
Q2 20266.86%
Return on assets
0.16%5.18%10.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20245.57%
Q3 20246.10%
Q4 20246.25%
Q1 20255.04%
Q2 20257.19%
Q3 202510.20%
Q4 20257.95%
Q1 20260.16%
Q2 20261.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$772.1M86.89%6.86%1.78%474.2%
Q1 202645$759.5M86.88%6.58%0.16%500.9%
Q4 202560$772.8M84.22%6.12%7.95%518.0%
Q3 202560$781.2M89.31%5.66%10.20%531.5%
Q2 202560$734.5M87.44%4.84%7.19%548.8%
Q1 202560$709.7M86.50%5.20%5.04%555.4%
Q4 202460$711.0M83.37%4.96%6.25%577.7%
Q3 202460$717.3M86.02%4.53%6.10%606.6%
Q2 202460$698.8M87.74%3.88%5.57%660.7%

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).

Capital ratio86.89%
100th
Total risk-based capital274.58%
100th
Problem loans6.86%
1st
Net charge-offs-0.28%
99th
Return on assets1.78%
79th
Net interest margin8.03%
100th
Efficiency ratio95.4%
3rd
Loans to deposits474.2%
0th
Uninsured deposits77.8%
0th
Loan-loss reserves1.50%
79th
Texas ratio0.2%
82nd

Similar-size banks in Delaware

InstitutionScoreAssetsCapitalProblem loansCompare
Artisans' BankBank Wilmington, DE64 out of 100, Moderate$718.2M10.4%0.74%vs
County BankBank Rehoboth Beach, DE93 out of 100, Very strong$696.4M15.4%0.30%vs
Community Bank DelawareBank Lewes, DE61 out of 100, Moderate$443.6M8.6%0.24%vs
Stifel Trust Company Delaware, National AssociationBank Greenville, DE82 out of 100, Strong$329.5M11.4%0.00%vs
Applied BankBank Wilmington, DE93 out of 100, Very strong$274.1M17.5%0.00%vs
BNY Mellon Trust of DelawareBank Wilmington, DE72 out of 100, Strong$254.9M29.6%2.48%vs

Deposit insurance

Is my money safe at Wilmington Trust, National Association?

Yes. Wilmington Trust, National Association is an FDIC-insured institution (FDIC certificate #34069). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 77.8% of deposits ($3.8M) 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 86.89%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 274.58% (benchmark: 10%).

Check how much of your own balance is covered

41 locations

Branches

Wilmington Trust, National Association lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Wilmington Trust, National Association
Former names
M&T Bank, National Association
Type
National bank
FDIC certificate #
34069
RSSD ID
2265456
Primary regulator
OCC
Holding company
M&t Bank Corp
Established
October 2, 1995
Headquarters
1100 N Market St, Wilmington, DE 19801
Employees
921

Quick answers

Wilmington Trust, National Association: common questions

Is Wilmington Trust, National Association FDIC insured?

Yes. Wilmington Trust, National Association is an FDIC-insured institution (FDIC certificate #34069). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Wilmington Trust, National Association's TellerScore?

58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Wilmington Trust, National Association ever failed?

There is no failure record for FDIC certificate #34069 in the FDIC failed bank list.

How many branches does Wilmington Trust, National Association have?

41 offices as of the latest FDIC data, in 2 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