Delaware
Branch-office deposits reported to the FDIC Summary of Deposits survey by institutions operating in Delaware, June 30 of each survey year, 1994–2025. Dollar figures are the survey’s thousands-of-USD unit displayed as $B/$T.
Deposits, 1994–2025
Office-assigned deposits at branches in Delaware went from $30.45B in 1994 to $538.47B in 2025, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. State-level aggregate of branch rows. Methodology
Branches and institutions
The branch network in Delaware peaked at 293 offices in 2012; the 2025 survey counts 247. The institution count moved from 46 (1994) to 36 (2025).
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Deposit concentration (HHI)
Statewide institution-share HHI: the sum of squared percent shares of each institution’s in-state deposits, 0–10,000. The shaded bands are the agencies’ 2010 Horizontal Merger Guidelines classification (section 5.3): unconcentrated below 1,500, moderately concentrated 1,500–2,500, highly concentrated above 2,500. The dashed line marks the 2023 Merger Guidelines threshold, under which markets with an HHI above 1,800 are highly concentrated (Guideline 1). Delaware’s HHI is 4836 in 2025 (highly concentrated on the 2010 bands), against 910 in 1994 and a span peak of 4836 in 2025. A statewide HHI is descriptive: merger review defines banking markets locally, not by state.
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | DOJ & FTC, Merger Guidelines (2023), Guideline 1 HHI computed from FDIC Summary of Deposits branch rows, June 30 of each survey year, 1994-2025. Methodology
Largest institutions by in-state deposits, 2025
Branch rows grouped by FDIC certificate; names as reported to the survey. Share is of all SOD deposits booked in Delaware that year, the same shares the statewide HHI squares and sums.
| # | Institution | Deposits | Share | Branches |
|---|---|---|---|---|
| 1 | Capital One, National Association cert 4297 | $365.11B | 67.81% | 3 |
| 2 | TD Bank, National Association cert 18409 | $67.86B | 12.60% | 12 |
| 3 | Barclays Bank Delaware cert 57203 | $34.92B | 6.49% | 1 |
| 4 | TD Bank USA, National Association cert 33947 | $27.97B | 5.19% | 1 |
| 5 | Manufacturers and Traders Trust Company cert 588 | $13.86B | 2.57% | 36 |
| 6 | Wilmington Savings Fund Society, FSB cert 17838 | $8.04B | 1.49% | 31 |
| 7 | PNC Bank, National Association cert 6384 | $5.56B | 1.03% | 36 |
| 8 | Comenity Bank cert 27499 | $3.40B | 0.63% | 1 |
| 9 | Bank of America, National Association cert 3510 | $2.79B | 0.52% | 10 |
| 10 | Wells Fargo Bank, National Association cert 3511 | $2.63B | 0.49% | 14 |
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30, 2025. Deposits are office-assigned; an institution's internal allocation practices shape where its balances appear. Methodology
County concentration extremes, 2025
Delaware has 3 county-level geographies in the survey, shown by county-level deposit HHI. A county served by a single institution sits at the 10,000 ceiling by construction; thin county markets are the norm outside metros.
All counties
| County | HHI | Inst. | Branches |
|---|---|---|---|
| Sussex | 8640 | 21 | 70 |
| New Castle | 4277 | 26 | 152 |
| Kent | 1819 | 11 | 25 |
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30, 2025. County HHIs use institution shares of summed branch deposits within the county. Methodology
Back to the national overview, or see the methodology for the survey definition, the HHI construction, and the office-assignment caveat.