Wilmington Savings Bank, The
Wilmington, OH · Cert 31539 · Peer group: banks under $1B in assets in OH (n=68-71)
State charter, non-member · FDIC · 2 branches
Q2 2026
$267.3MAssets
$213.8MLoans
$228.1MDeposits
$38.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
- Widest gap: net interest margin trails 94% of banks under $1B in assets in OH (rank 67 of 71).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.78%
Rank 45 of 71
Net Interest Margin
2.34%
Rank 67 of 71
Efficiency Ratio
63.90%
Rank 29 of 71
Equity / Assets
14.42%
Rank 16 of 71
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 61% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.62% | 1.02% | 1.39% | Beats 37% | 45 / 71 | | |
| Return on Equity | 5.39% | 5.62% | 10.07% | 13.60% | Beats 21% | 56 / 71 | | |
| Net Interest Margin | 2.34% | 2.93% | 3.56% | 4.07% | Beats 6% | 67 / 71 | | |
| Efficiency Ratio | 63.90% | 55.94% | 70.77% | 78.80% | Beats 61% | 29 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.82% | 0.08% | 0.27% | 0.97% | Beats 34% | 46 / 68 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 26 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 14.61% | 11.18% | 13.77% | 20.34% | Beats 56% | 31 / 71 | | |
| Total Risk-Based Capital Ratio | 14.61% | 12.08% | 14.34% | 21.24% | Beats 52% | 34 / 71 | | |
| Equity / Assets | 14.42% | 8.41% | 10.74% | 13.32% | Beats 77% | 16 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.73% | 64.48% | 76.81% | 87.49% | 84th pctl | 11 / 68 | | |
| Loans / Assets | 79.99% | 55.33% | 65.58% | 72.51% | 86th pctl | 10 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |