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Wilmington Savings Bank, The

Wilmington, OH · Cert 31539

State charter, non-member · FDIC · 2 branches

Q2 2026

$267.3MAssets
$213.8MLoans
$228.1MDeposits
$38.5MEquity
Loan mix
97%RE $203.9M1%C&I $2.8M2%Consumer $3.5MQ3 2024Q2 2026
Deposit mix
94%Interest-bearing $214.6M6%Noninterest $13.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.78%, up 10 bps year over year; NIM at 2.34%.
  • Asset quality: problem loans at 0.82% of loans (+3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.61%, down 38 bps from a year ago.
  • Funding: loans stand at 93.73% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.78%+10 bps YoY

Net Interest Margin (YTD, annualized)

2.34%-3 bps YoY

Efficiency Ratio (YTD, annualized)

63.90%-411 bps YoY

Tier 1 Leverage Ratio

14.61%-38 bps YoY

NIM

3.99%Q2 ’244.28%Q2 ’254.33%Q2 ’26+52%-1%

Non-interest income vs. expense

1.77%Q2 ’241.81%Q2 ’251.73%Q2 ’26-3%-10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.16%0.27%0.52%0.68%0.66%0.77%0.89%0.78%+10 bps
Return on Equity1.06%1.78%3.64%4.70%4.60%5.39%6.20%5.42%+72 bps
Net Interest Margin1.58%1.76%2.23%2.37%2.17%2.16%2.28%2.34%-3 bps
Efficiency Ratio91.18%85.06%72.97%68.01%68.32%64.87%60.04%63.90%-411 bps
Non-Interest Burden1.42%1.47%1.56%1.52%1.36%1.23%1.15%1.36%-16 bps
Growth
Asset Growth (YoY)14.38%15.91%17.90%3.87%7.65%9.59%8.62%6.47%+260 bps
Loan Growth (YoY)2.90%5.29%0.26%3.69%3.70%8.09%13.69%8.48%+480 bps
Deposit Growth (YoY)29.26%33.31%36.85%3.51%7.95%9.35%8.52%6.62%+312 bps
Asset Quality
Nonperforming Loans / Loans0.66%0.84%0.87%0.79%0.81%0.77%0.86%0.82%+3 bps
Net Charge-Offs / Loans0.00%0.00%0.03%0.02%0.01%0.01%0.00%0.00%-2 bps
Allowance / Loans3.53%3.45%3.54%3.33%3.40%3.18%3.12%3.07%-26 bps
Allowance Coverage of NPLs5.4x4.1x4.1x4.2x4.2x4.2x3.6x3.7x-0.5x
Capital
Tier 1 Leverage Ratio14.71%14.78%14.91%15.00%14.61%14.39%14.63%14.61%-38 bps
Total Risk-Based Capital14.71%14.78%14.91%15.00%14.61%14.39%14.63%14.61%-38 bps
Equity / Assets14.69%14.24%14.52%14.50%14.36%14.22%14.46%14.42%-8 bps
Liquidity & Funding
Loans / Deposits91.09%91.62%89.09%92.12%87.50%90.56%93.34%93.73%+161 bps
Liquid Assets / Assets6.74%6.27%8.68%6.50%10.86%8.47%6.31%5.90%-60 bps
CRE / Total Capitaln/an/an/an/a127.90%126.40%123.28%n/an/a