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Wilmington Savings Fund Society, FSB
Wilmington, DE·FDIC Cert #17838·Charter: OCC·Est. 18320218.0·HC: WSFS FINANCIAL CORP
Total Assets
$21.2B
Q4 2025
Return on Assets
1.43%
+0.00%Peer avg: 1.14%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.85%
Peer avg: 53.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.43%+0.00
ROE
11.63%-0.04
Efficiency
56.85%-0.40
Equity/Assets
0.00%+0.00
NPL Ratio
0.72%+0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
73.29%+0.27
Charge-offs
0.45%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.3 | 1.4 | 1.4 | 1.3 | 1.4 | 1.4 | 1.4 | 1.4 |
| ROE | 10.8 | 11.7 | 11.3 | 11.1 | 10.9 | 11.5 | 11.7 | 11.6 |
| Efficiency | 56.1 | 55.8 | 56.7 | 58.1 | 56.2 | 57.0 | 57.2 | 56.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.6 | 0.9 | 1.0 | 1.0 | 1.0 | 0.7 | 0.7 |
| Charge-offs | 0.3 | 0.4 | 0.4 | 0.4 | 0.7 | 0.5 | 0.4 | 0.5 |
| Loan/Deposit | 78.2 | 78.1 | 78.5 | 75.2 | 75.7 | 73.9 | 73.0 | 73.3 |
Balance Sheet
Total Assets$21.2B
Total Deposits$17.9B
Total Loans$13.1B
Total Equity$2.7B
Profitability
ROA1.43%
ROE11.63%
Efficiency Ratio56.85%
Net Income$297.9M
Risk & Asset Quality
NPL Ratio0.72%
Charge-off Rate0.45%
Loan/Deposit73.29%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans