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Barclays Bank Delaware
Wilmington, DE·FDIC Cert #57203·Charter: STATE·Est. 20010523.0·HC: BARCLAYS PLC
Total Assets
$47.6B
Q4 2025
Return on Assets
0.87%
-0.20%Peer avg: 1.13%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
64.66%
Peer avg: 52.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
44
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.87%-0.20
ROE
6.36%-1.44
Efficiency
64.66%-0.21
Equity/Assets
0.00%+0.00
NPL Ratio
1.83%+0.11
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
89.02%+1.59
Charge-offs
3.60%-0.08
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 | 0.6 | 0.9 | 0.8 | 1.1 | 1.4 | 1.4 | 1.1 | 0.9 |
| ROE | 5.0 | 7.3 | 6.3 | 8.2 | 10.8 | 10.0 | 7.8 | 6.4 |
| Efficiency | 58.8 | 61.9 | 62.3 | 62.8 | 63.0 | 65.1 | 64.9 | 64.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.9 | 1.8 | 1.8 | 1.8 | 1.8 | 1.7 | 1.7 | 1.8 |
| Charge-offs | 5.8 | 5.2 | 4.8 | 4.6 | 4.0 | 3.8 | 3.7 | 3.6 |
| Loan/Deposit | 91.0 | 95.0 | 89.9 | 86.6 | 82.9 | 87.6 | 87.4 | 89.0 |
Balance Sheet
Total Assets$47.6B
Total Deposits$38.1B
Total Loans$33.9B
Total Equity$6.4B
Profitability
ROA0.87%
ROE6.36%
Efficiency Ratio64.66%
Net Income$397.0M
Risk & Asset Quality
NPL Ratio1.83%
Charge-off Rate3.60%
Loan/Deposit89.02%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans