Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
500 Delaware Avenue
Wilmington, DE 19801

WSFS Bank is one of the ten oldest, continuously-operating banks in the United States. A permanent fixture in this community, The Bank is a service-oriented, locally-managed, community banking institution. The WSFS Bank mission is simple, "Strengthening the Core of Delaware." For many years, WSFS has been servicing businesses of all sizes, as well as growing families. WSFS has underwritten many homes in the Delaware Valley, advanced local business with a wide range of banking services and continues to implement innovative tactics to streamline personal and business banking.

Reviews (1)

WSFS Is Truly A Service Oriented Bank

I have been a customer of this bank for over 15 years, and it is a bank that really focuses on the customer and goes the extra mile to provide great service. Although I had a couple negative experiences (with an excessive overdraft fee and fees for reordering checks),most of my contact with this bank has been problem free. At one branch, all of the representatives remember names and help each other out with cases when the others are busy.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Wilmington Savings Fund Society FSB had $44.22 million in non-current loans and owned real-estate with $546.14 million in equity and loan loss allowances on hand to cover it. This gives Wilmington Savings Fund Society FSB a Texas Ratio of 8.10% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Wilmington Savings Fund Society FSB decreased slightly from 10.21% as of March 31, 2013 to 8.10% as of March 31, 2014, resulting in a positive change of 20.69%.This indicates that the balance sheet and financial strength for Wilmington Savings Fund Society FSB has improved slightly in recent periods.

Deposit Growth


In the past year, Wilmington Savings Fund Society FSB has decreased its total deposits by -$56.59 million, resulting in -1.74% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Wilmington Savings Fund Society FSB has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Wilmington Savings Fund Society FSB has $4.54 billion in assets with $546.14 million in equity, resulting in a capitalization level of 12.03%, which is excellent.

Institution Statistics

FDIC Certificate #17838
Year Established1832
Primary RegulatorOCC
Assets and Liabilities
Assets$4.54 billion
Loans$3.01 billion
Deposits$3.19 billion
Equity Capital$504.81 million
Loan Loss Allowance$41.33 million
Unbacked Noncurrent Loans$40.53 million
Real Estate Owned$3.68 million
Historic Data - March 2013
Assets$4.34 billion
Equity Capital$472.73 million
Loan Loss Allowance$42.95 million
Unbacked Noncurrent Loans$40.53 million
Real Estate Owned$6.52 million
Profit Margin - Quarterly
Net Interest Margin3.66%
Return on Assets1.54%
Return on Equity14.17%
Interest Income$37.77 million

Always verify rates and promotions with the bank or credit union. We are not Wilmington Savings Fund Society FSB, we are a rate comparison website and can not provide official rates or promotions.

Wilmington Savings Fund Society FSB Savings Account Rates

0.10%--All-Purpose Club
0.05%$25k-WSFS Small Business Core Savings
0.05%$25k-WSFS Core Savings

Wilmington Savings Fund Society FSB Money Market Rates

0.20%$250k-WSFS Money Market
0.15%$50k-WSFS Small Business Money Market

Wilmington Savings Fund Society FSB Checking Account Rates

0.10%$100k-WSFS Relationship Checking
0.03%$10k-WSFS Interest Checking

Wilmington Savings Fund Society FSB CD Rates

1.25%$2,500-60 Month Fixed-Rate CD
1.05%$90k-60 Month Jumbo CD
1.00%$2,500-48 Month Promotional CD
0.75%$90k-48 Month Jumbo CD
0.75%$2,500-36 Month Promotional CD
0.55%$90k-36 Month Jumbo CD
0.45%$90k-24 Month Jumbo CD
0.40%$2,500-24 Month Fixed-Rate CD
0.35%$90k-12 Month Jumbo CD
0.35%$90k-18 Month Jumbo CD
0.35%$2,500-18 Month Fixed-Rate CD
0.30%$2,500-12 Month Fixed-Rate CD
0.20%$90k-6 Month Jumbo CD
0.20%$90k-9 Month Jumbo CD
0.15%$2,500-6 Month Fixed-Rate CD
0.10%$90k-30 Day Jumbo CD
0.10%$90k-60 Day Jumbo CD
0.10%$90k-3 Month Jumbo CD
0.05%$2,500-3 Month Fixed-Rate CD
0.03%$5k-3 - 5 Month No Penalty CD

Wilmington Savings Fund Society FSB IRA Rates

1.25%$2,500-60 Month Fixed-Rate IRA CD
1.00%$2,500-48 Month Promotional IRA
0.75%$2,500-36 Month Promotional IRA
0.40%$2,500-24 Month Fixed-Rate IRA CD
0.35%$2,500-18 Month Fixed-Rate IRA
0.30%$2,500-12 Month Fixed-Rate IRA CD
0.15%$2,500-6 Month Fixed-Rate IRA CD
0.05%$2,500-3 Month Fixed-Rate IRA

Wilmington Savings Fund Society FSB has 44 locations. Click to view all Wilmington Savings Fund Society FSB locations.