The catalogue › United States › Mid-Atlantic › Delaware
The state note · prepared 7 September 2026

Delaware

17 banks and 15 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

17 banks filing · read from the 30 June 2026 Call Report
17
banks filing
$1.17T in assets
+1.5%
Loans, year over year
median; 3 above 10%, 6 shrinking
14.3%
CRE / loans
median
70.0%
Loans / deposits
median
1.11%
NPA / loans
median
13.8%
Equity / assets
median

Delaware's 17 banks hold $1.17T in assets at 30 June 2026. PNC Bank National Association is the largest at $610B, and the five largest hold 97% of the total; 7 institutions are above $1B, holding $1.16T.

Loans grew a median +1.5% in the year to 30 June 2026: 3 institutions grew faster than 10% and 6 shrank. The median bank lends 70% of its deposits and holds commercial real estate at 14.3% of loans. Nonperforming loans sit at a median 1.11% of the book, return on assets at 2.20%, and equity at 13.8% of assets.

6 of the 17 are in the catalogue, each read from its own filing beside the banks its size in the state: PNC Bank National Association, TD Bank National Association, Santander Bank N A, Barclays Bank Delaware, TD Bank USA National Association, Comenity Bank.

Who holds the state's assetseach institution's share of the $1.17T the state's 17 hold; the largest first, amber in the catalogue
PNC Bank National Association: 52.3%PB52%TD Bank National Association: 29.4%TB29%Santander Bank N A: 8.9%SB9%Barclays Bank Delaware: 3.7%BBTD Bank USA National Association: 2.8%Wilmington Savings Fund Society: 1.9%Comenity Bank: 0.6%Wilmington Trust N.A.: 0.1%Artisans Bank: 0.1%County Bank: 0.1%7 others 0%PBPNC Bank National Ass…52.3%TBTD Bank National Asso…29.4%SBSantander Bank N A8.9%BBBarclays Bank Delaware3.7%TBTD Bank USA National …2.8%WSWilmington Savings Fu…1.9%CBComenity Bank0.6%WTWilmington Trust N.A.0.1%ABArtisans Bank0.1%CBCounty Bank0.1%

PNC Bank National Association holds 52.3% of the state's bank assets; the five largest hold 97%, and 7 of the 17 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestPNC Bank National Associa…: 52% of the totalThe five largest97% of the totalThe ten largest100% of the totalGINI0.80 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 97% of the assets in 29% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
Commercial & industrial22.9%$149BOther loans and leases19.3%$126B1-4 family residential, closed-end14.8%$96.5BAuto9.9%$64.8BCredit card8.3%$54.5BNonfarm nonresidential, non-owner-occupied5.4%$35.2BHome equity lines5.0%$32.7BMultifamily4.9%$32.3BNonfarm nonresidential, owner-occupied3.1%$20.3BStates & municipalities2.9%$19.2BConstruction & land2.3%$15.2BConsumer, other1.0%$6.3BAgricultural production0.1%$532MFarmland0.0%$65M

Commercial & industrial is the largest category at 22.9% of the state's $654B in loans, then Other loans and leases at 19.3% and 1-4 family residential, closed-end at 14.8%.

Loans, year over yearDelaware banks, 30 June 2026 against a year earlier · no better direction, largest first · amber, in the catalogue
state median +1.5% SB Santander Bank N A +18.7% PB PNC Bank National Association +12.6% CB County Bank +10.6% CB Community Bank Delaware +4.9% AB Artisans Bank +3.4% WS Wilmington Savings Fund Society +2.7% AB Applied Bank +1.5% CB Comenity Bank -1.4% TB TD Bank USA National Association -1.9% TB TD Bank National Association -3.6% BB Barclays Bank Delaware -10.0% BM BNY Mellon Trust of Delaware -12.8% WT Wilmington Trust N.A. -21.2%

Santander Bank N A grew fastest at +18.7%; 3 grew faster than 10% and 6 shrank, Wilmington Trust N.A. the most at -21.2%. The median is +1.5%.

Commercial real estate, share of loansDelaware banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · amber, in the catalogue
state median 14.3% AB Applied Bank 79.3% AB Artisans Bank 46.8% CB County Bank 46.0% WS Wilmington Savings Fund Society 40.7% SB Santander Bank N A 27.4% CB Community Bank Delaware 23.3% TB TD Bank National Association 14.3% PB PNC Bank National Association 9.9% TB TD Bank USA National Association 0.8% BB Barclays Bank Delaware 0.0% CB Comenity Bank 0.0% WT Wilmington Trust N.A. 0.0% BM BNY Mellon Trust of Delaware 0.0%

Applied Bank is the most CRE-weighted at 79.3% of loans; 4 of the 17 are above 40%, against a median of 14.3%.

Commercial real estate against capital, the 300% screenDelaware banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · amber, in the catalogue
state median 2% 300% screen AB Artisans Bank 302% WS Wilmington Savings Fund Society 225% CB Community Bank Delaware 213% CB County Bank 212% SB Santander Bank N A 117% AB Applied Bank 98% TB TD Bank National Association 64% PB PNC Bank National Association 60% TB TD Bank USA National Association 2% BB Barclays Bank Delaware 0% CB Comenity Bank 0% WT Wilmington Trust N.A. 0% ST Stifel Trust Co. Delaware N.A. 0% BM BNY Mellon Trust of Delaware 0% DB Deutsche Bank Trust Co. Delaware 0% HT HSBC Trust Co. Delaware N.A. 0% CT Citicorp Trust Delaware N.A. 0%

1 of the 17 bank sits above the 300% screen, Artisans Bank the highest at 302% of capital; the median is 2%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenDelaware banks, 30 June 2026 · the guidance's first prong; listed largest first · amber, in the catalogue
state median 1% 100% screen AB Artisans Bank 80% CB County Bank 80% CB Community Bank Delaware 61% WS Wilmington Savings Fund Society 41% SB Santander Bank N A 32% AB Applied Bank 27% TB TD Bank National Association 12% PB PNC Bank National Association 9% TB TD Bank USA National Association 1% BB Barclays Bank Delaware 0% CB Comenity Bank 0% WT Wilmington Trust N.A. 0% ST Stifel Trust Co. Delaware N.A. 0% BM BNY Mellon Trust of Delaware 0% DB Deutsche Bank Trust Co. Delaware 0% HT HSBC Trust Co. Delaware N.A. 0% CT Citicorp Trust Delaware N.A. 0%

0 of the 17 banks sit above the 100% construction screen, Artisans Bank the highest at 80%; the median is 1%.

Loans to depositsDelaware banks, 30 June 2026 · listed highest first · amber, in the catalogue
state median 70% WT Wilmington Trust N.A. 481% CB Comenity Bank 158% CB Community Bank Delaware 97% CB County Bank 90% BB Barclays Bank Delaware 84% AB Artisans Bank 82% PB PNC Bank National Association 81% SB Santander Bank N A 70% WS Wilmington Savings Fund Society 70% TB TD Bank National Association 60% TB TD Bank USA National Association 32% AB Applied Bank 24% BM BNY Mellon Trust of Delaware 4% ST Stifel Trust Co. Delaware N.A. 0% DB Deutsche Bank Trust Co. Delaware 0% HT HSBC Trust Co. Delaware N.A. 0%

2 of the 17 lend more than they hold in deposits, Wilmington Trust N.A. the furthest at 481%; the median is 70%.

Nonperforming loans, share of loansDelaware banks, 30 June 2026 · listed highest first · amber, in the catalogue
state median 1.11% WT Wilmington Trust N.A. 6.86% CB Comenity Bank 3.24% BM BNY Mellon Trust of Delaware 2.48% TB TD Bank USA National Association 2.08% SB Santander Bank N A 1.84% BB Barclays Bank Delaware 1.67% TB TD Bank National Association 1.11% PB PNC Bank National Association 0.74% AB Artisans Bank 0.74% WS Wilmington Savings Fund Society 0.57% CB County Bank 0.30% CB Community Bank Delaware 0.24% AB Applied Bank 0.00%

Wilmington Trust N.A. carries the most nonperforming loans at 6.86% of the book; 7 of the 17 are above 1%, and the median is 1.11%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%2.00%4.00%6.00%8.00%10.00%NPA / loansAllowance / loansCBComenity Bank+8.31%TBTD Bank USA National Association+7.81%BBBarclays Bank Delaware+7.25%SBSantander Bank N A+1.34%WSWilmington Savings Fund Society+0.75%CBCommunity Bank Delaware+0.67%CBCounty Bank+0.61%TBTD Bank National Association+0.56%ABApplied Bank+0.52%PBPNC Bank National Association+0.52%ABArtisans Bank+0.27%BMBNY Mellon Trust of Delaware-2.25%WTWilmington Trust N.A.-5.36%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 2 of the 17 hold an allowance smaller than their nonperforming loans.

Return on assetsDelaware banks, 30 June 2026 · listed highest first · amber, in the catalogue
state median 2.20% BM BNY Mellon Trust of Delaware 6.13% CB Comenity Bank 4.94% HT HSBC Trust Co. Delaware N.A. 4.55% DB Deutsche Bank Trust Co. Delaware 3.33% CB County Bank 3.26% ST Stifel Trust Co. Delaware N.A. 2.82% AB Applied Bank 2.64% BB Barclays Bank Delaware 2.37% CT Citicorp Trust Delaware N.A. 2.20% WT Wilmington Trust N.A. 1.74% WS Wilmington Savings Fund Society 1.56% PB PNC Bank National Association 1.30% SB Santander Bank N A 0.99% TB TD Bank National Association 0.83% CB Community Bank Delaware 0.53% AB Artisans Bank 0.51% TB TD Bank USA National Association 0.42%

BNY Mellon Trust of Delaware earns the most at 6.13% and TD Bank USA National Association the least at 0.42%; 1 of the 17 earn under 0.50%, and the median is 2.20%.

The efficiency ratio, with the return beside itDelaware banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · amber, in the catalogue
state median 50.3% HT HSBC Trust Co. Delaware N.A. 19.9% ROA 4.55% BM BNY Mellon Trust of Delaware 22.9% ROA 6.13% ST Stifel Trust Co. Delaware N.A. 27.3% ROA 2.82% CB County Bank 38.0% ROA 3.26% CT Citicorp Trust Delaware N.A. 39.0% ROA 2.20% DB Deutsche Bank Trust Co. Delaware 41.1% ROA 3.33% AB Applied Bank 42.3% ROA 2.64% CB Comenity Bank 49.8% ROA 4.94% SB Santander Bank N A 50.3% ROA 0.99% BB Barclays Bank Delaware 55.6% ROA 2.37% WS Wilmington Savings Fund Society 56.8% ROA 1.56% PB PNC Bank National Association 60.0% ROA 1.30% TB TD Bank National Association 66.6% ROA 0.83% TB TD Bank USA National Association 70.3% ROA 0.42% CB Community Bank Delaware 75.7% ROA 0.53% AB Artisans Bank 79.3% ROA 0.51% WT Wilmington Trust N.A. 95.4% ROA 1.74%

HSBC Trust Co. Delaware N.A. runs the leanest at 19.9% of revenue in cost; 1 of the 17 spend more than 80 cents of every revenue dollar, and the median is 50.3%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
PNC Bank National Association$610B+12.6%9.9%81%0.74%1.30%10.4%
TD Bank National Association$343B-3.6%14.3%60%1.11%0.83%13.3%
Santander Bank N A$104B+18.7%27.4%70%1.84%0.99%13.3%
Barclays Bank Delaware$43.5B-10.0%0.0%84%1.67%2.37%13.9%
TD Bank USA National Association$32.1B-1.9%0.8%32%2.08%0.42%11.9%
Wilmington Savings Fund Society$22.6B+2.7%40.7%70%0.57%1.56%11.7%
Comenity Bank$7.4B-1.4%0.0%158%3.24%4.94%13.8%
Wilmington Trust N.A.$772M-21.2%0.0%481%6.86%1.74%88.2%
Artisans Bank$718M+3.4%46.8%82%0.74%0.51%9.5%
County Bank$696M+10.6%46.0%90%0.30%3.26%14.3%
Community Bank Delaware$444M+4.9%23.3%97%0.24%0.53%7.7%
Stifel Trust Co. Delaware N.A.$330Mno recordno record0%no record2.82%7.7%
Applied Bank$274M+1.5%79.3%24%0.00%2.64%16.2%
BNY Mellon Trust of Delaware$255M-12.8%0.0%4%2.48%6.13%39.9%
Deutsche Bank Trust Co. Delaware$141Mno recordno record0%no record3.33%94.6%
Five years, 2021 to 2026the 17 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$496B$654B+32%
Deposits, in total$889B$908B+2%
NPA / loans, median0.88%1.11%+0.22 pts
Efficiency, median64.7%50.3%-14.4 pts
ROA, median1.34%2.20%+0.86 pts

Small-business lending

SBA 7(a) approvals into Delaware since FY2008, across every lender type

$1.0B of 7(a) credit has been approved into Delaware since FY2008 across 2,990 loans. Accommodation & food services is the largest category at 15.7%, Agriculture, forestry & fishing at 11.5%, Retail trade at 10.0%; the three together are 37% of the money. The heaviest losses fall in Manufacturing, at 4.85% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 138 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
WS Wilmington Savings Fund Society F… 12.7% $131M · 275 loans Ma Manufacturers and Traders Trust C… 10.4% $107M · 937 loans LO Live Oak Banking Company 8.7% $89M · 65 loans FF First Financial Bank 6.1% $63M · 56 loans FB Fulton Bank, National Association 5.6% $57M · 57 loans BB Beacon Bank and Trust 4.3% $44M · 38 loans TB TD Bank, National Association 4.2% $43M · 330 loans WF Wells Fargo Bank National Associa… 2.8% $29M · 125 loans Newtek Small Business Finance, In… 2.7% $28M · 25 loans Grow America Fund, Incorporated 2.5% $25M · 35 loans AB Applied Bank 2.3% $24M · 15 loans CB Citizens Bank, National Associati… 2.1% $22M · 138 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services16.8%$161M · 343 loansAgriculture, forestry & fishing12.3%$117M · 107 loansRetail trade10.7%$102M · 448 loansHealth care & social assistance10.3%$99M · 212 loansProfessional & technical services9.4%$90M · 331 loansOther services9.2%$88M · 299 loansManufacturing7.9%$75M · 134 loansConstruction7.3%$70M · 342 loansArts, entertainment & recreation5.1%$49M · 104 loansAdministrative & waste services4.7%$45M · 198 loansWholesale trade3.8%$36M · 126 loansTransportation & warehousing2.6%$25M · 146 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$161M34315.7%$2M1.45%
Agriculture, forestry & fishing$117M10711.5%$32K0.03%
Retail trade$102M44810.0%$2M2.18%
Health care & social assistance$99M2129.6%$617K0.62%
Professional & technical services$90M3318.8%$885K0.99%
Other services$88M2998.6%$3M3.48%
Manufacturing$75M1347.3%$4M4.85%
Construction$70M3426.9%$756K1.08%
Arts, entertainment & recreation$49M1044.8%$319K0.65%
Administrative & waste services$45M1984.4%$2M3.76%
Wholesale trade$36M1263.5%$1M2.97%
Transportation & warehousing$25M1462.4%$625K2.54%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
New Castle$628M1,709121
Sussex$233M75558
Kent$163M52653

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Delaware institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 7 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Delaware

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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