🏦Bank Scorer

PEOPLES HERITAGE SAVINGS BANK

WILMINGTON, DE · Supervised by FDIC

Est. 1852FDIC #18,409RSSD: FDIC-18409
Part ofTORONTO-DOMINION BANK THE→ View all charters
Outstanding Same

Current rating · Exam: June 1999

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Consumer Complaints (12 mo)

180

0.52 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 0.73%

Institution Profile

FDIC BankFind

Address

2035 Limestone Rd, WILMINGTON, DE

County

New Castle County

Established

January 1, 1852

Total Assets

$345.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 1999

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$345.6B

Total Deposits

$282.5B

Net Loans

$163.1B

Net Income

$628M

ROA

0.73%

ROE

5.04%

Risk-Based Capital

19.53%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Large banks

Compared to the peer-bank Large peer group (same asset tier).

Complaints / $B0.52Peer avg: 0.83▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

1,103

Branch Deposits

$293.3B

1-Year Change

-71

5-year net change: -123 branches

Consumer Complaints

CFPB · through Jun 2026

Last 12 Months

180

All Time

913

Monetary Relief

34.6%

Untimely Response

0%

Most common complaint type: Checking or savings account· 0.52 per $B assets (12m)

Monthly Complaints (last 24 months)

MonthComplaintsWith Monetary Relief
July 202400
August 202400
September 202400
October 202441
November 202400
December 202400
January 202500
February 202500
March 202500
April 202500
May 202500
June 202500
July 202500
August 202500
September 202510
October 2025205
November 202581
December 2025214
January 202640
February 202620
March 2026224
April 20264711
May 2026464
June 202691

Data through Jun 2026. Zero-height bars indicate months with no complaints on record.

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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