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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Delaware, the state note

Barclays Bank Delaware

Wilmington, Delaware · $43.45B in assets · beside the 5 other Delaware banks over $10B

The filing

83.7%
Loans / deposits
6th of 6
13.9%
Equity / assets
1st of 6
0.0%
CRE / loans
1st of 6

Barclays Bank Delaware is the fourth largest of the 6 Delaware banks over $10B, with $43.45B in assets at 30 June 2026. Loans are 83.7% of deposits, the highest in the cohort against a median of 70.0%, and equity is 13.9% of assets, the highest in the cohort. Loans grew -10.0% in the year, the slowest in the cohort, and deposits grew 1.1%; the cohort's median loan growth is +0.4%.

Noncurrent loans are 1.67% of the book, 4th of 6 against a median of 1.39%; 1.24% is 30 to 89 days past due, and the allowance covers them 5.3 times. Net charge-offs are 4.73% of loans, 5th of 6. Commercial real estate is 0.0% of loans, the lowest in the cohort against a median of 12.1%, and 0% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 2.37%, the highest in the cohort against a median of 1.14%, on an efficiency ratio of 55.6%, 2nd of 6. Five years ago it was 2.01%. The question is what the capital is for: the balance sheet carries less risk than it could.

Commercial real estate, share of loansDE banks over $10B · 30 June 2026 · lower is stronger, listed first
median 12.1% BB Barclays Bank Delaware 0.0% TB TD Bank USA National Association 0.8% PB PNC Bank National Association 9.9% TB TD Bank National Association 14.3% SB Santander Bank N A 27.4% WS Wilmington Savings Fund Society 40.7%
Loans, year over yearDE banks over $10B · 30 June 2026 · no better direction, largest first
median +0.4% SB Santander Bank N A +18.7% PB PNC Bank National Association +12.6% WS Wilmington Savings Fund Society +2.7% TB TD Bank USA National Association -1.9% TB TD Bank National Association -3.6% BB Barclays Bank Delaware -10.0%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Barclays Bank DelawareRankCohort median
Total CRE against capital, the 300% screen0%1st of 662%
Construction against capital, the 100% screen0%1st of 610%
Construction and land development, share of loans0.0%1st of 62.0%
Non-owner-occupied nonfarm nonresidential, share of loans0.0%1st of 64.3%
Total CRE, the guidance definition, share of loans0.0%1st of 612.1%
CRE growth over 36 months, the third prong+33.3%6th of 6+6.9%
Commercial real estate against capital, the 300% screenDE banks over $10B · 30 June 2026 · lower is stronger, listed first
median 62% BB Barclays Bank Delaware 0% TB TD Bank USA National Association 2% PB PNC Bank National Association 60% TB TD Bank National Association 64% SB Santander Bank N A 117% WS Wilmington Savings Fund Society 225%
CRE growth over 36 months, the guidance's third prongDE banks over $10B · 30 June 2026 · lower is stronger, listed first
median +6.9% SB Santander Bank N A -10.5% PB PNC Bank National Association +2.3% TB TD Bank National Association +4.2% TB TD Bank USA National Association +9.5% WS Wilmington Savings Fund Society +11.4% BB Barclays Bank Delaware +33.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
PNC Bank National Association$609.77B1.3%60.0%0.74%0.23%1.3%80.7%10.4%
TD Bank National Association$342.80B0.8%66.6%1.11%0.48%1.7%59.6%13.3%
Santander Bank N A$103.96B1.0%50.3%1.84%0.53%3.2%70.1%13.3%
Barclays Bank Delaware$43.45B2.4%55.6%1.67%4.73%8.9%83.7%13.9%
TD Bank USA National Association$32.13B0.4%70.3%2.08%5.50%9.9%32.1%11.9%
Wilmington Savings Fund Society$22.57B1.6%56.8%0.57%0.05%1.3%69.9%11.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Barclays Bank DelawareCohort median
20212026Change20212026Change
Loans$20.02B$29.57B+48%$37.65B$44.36B+18%
Deposits$21.14B$35.31B+67%$51.14B$59.85B+17%
NPA / loans0.97%1.67%+0.70 pts1.01%1.39%+0.38 pts
Efficiency62.9%55.6%-7.3 pts64.7%58.4%-6.3 pts
ROA2.01%2.37%+0.35 pts1.37%1.14%-0.22 pts

This read was prepared for Barclays Bank Delaware's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Barclays Bank Delaware is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort DE banks over $10B
Institution www.barclaysus.com/deposits

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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