Research in progress

Wilmington Trust, National Association

Wilmington Trust, National Association

Wilmington Trust, National Association is assessed from dated identity, permission and outcome evidence. This article separates verified facts from findings that the current record cannot support.

Verification strength94/100
Research completeness67/100
Quality evidence2/6
Last researched2026-07-24
A
Evidence-led provider article

Wilmington Trust, National Association: evidence, responsibilities and open questions

Wilmington Trust, National Association is assessed from dated identity, permission and outcome evidence. This article separates verified facts from findings that the current record cannot support.

What the record establishes

The legal name currently recorded is Wilmington Trust, National Association. Wilmington Trust, National Association is catalogued for Asset finance, Banking, Consumer lending, Investing, Mortgages, Private credit, Retirement & pensions, and Wealth management and the current record places its market scope in United States.

ServeAssess accepted 85 claim level facts and linked 16 sources as of 2026-07-24. Verification strength is 94/100, while research completeness is 67/100 against the fields expected for this category and role.

Responsibility and permission

Wilmington Trust, National Association is recorded as legal entity, Wilmington Trust, National Association is recorded as marketing brand, and M&T BANK CORP is recorded as parent company. The role map controls which party receives a licence, financial metric or complaint finding.

16 product and jurisdiction permission records are active or exempt in the current map. No restricted, suspended, withdrawn or unverified permission appears in that map.

What the outcome evidence can support

The current assessment can score 2 of six substantive outcome dimensions. RegulatoryStanding is 88/100 within the eligible peer group. Current permissions and restrictions are assessed separately from enforcement history. Registration confirms status, not service quality. TransparencyAndGovernance is 71/100 within the eligible peer group. Measures material disclosure and governance evidence. Advertising and social presence are excluded.

The comparable metrics ledger contains 3 latest observations. Each value enters a dimension only when its direction, period, denominator and peer group support a fair comparison.

Price, access and intended customers

Pricing disclosure is recorded as quote based. Recorded customer types include consumers, businesses, institutions, and small businesses. Access is documented through online, advisor, and phone.

For banking, the decision is which legal institution holds the account, what protection applies and whether the product remains competitive after fees and access limits. The current record should be used with the written offer or contract rather than as a substitute for it.

Limits that affect the decision

The following limits are part of the assessment and should remain visible beside any favourable finding.

  • CustomerOutcomes lacks enough comparable evidence for a score.
  • FinancialResilience lacks enough comparable evidence for a score.
  • OperationalReliability lacks enough comparable evidence for a score.
  • PriceAndContractQuality lacks enough comparable evidence for a score.
  • Verification strength describes the research record. It is not a provider quality rating.
  • Research completeness measures category relevant coverage. It does not reward a broad product catalogue.
  • Customer outcomes remain unscored until a valid exposure denominator and comparable handling data are available.
  • Financial resilience remains unscored until at least two comparable directional measures are available.

A focused verification path

A banking app may be a technology company while a separately named bank holds deposits, issues cards or makes loans. Bank charters and primary regulators may be federal or state, while branch access and product availability can still vary locally.

  • Find the institution in FDIC BankFind or the NCUA locator.
  • Match the legal name and certificate or charter number.
  • Read the deposit insurance explanation for the exact account structure.
  • Save the legal name, source URL and observation date used for the decision.

Article version 2026-07-full-site-v1 · 532 words · candidate A selected after automated editorial checks.

02
Structured assessment

Scores, factors and research limits

Verification strength94/100

Identity, permissions, source quality and claim-level freshness.

Research completeness67/100

Coverage against the fields relevant to this category and role.

Freshness100/100

Average freshness of the accepted claims, not merely the page date.

Quality evidence: partial outcome data2 of 6 substantive dimensions currently scoreable. ServeAssess does not combine them into one universal quality score.
Regulatory standing25 supporting fields
88/100

Current permissions and restrictions are assessed separately from enforcement history. Registration confirms status, not service quality.

Financial resilience or backing2 supporting fields · peer group banking|role-unknown|100m-1b|US
Insufficient data

Directionally comparable resilience measures within the provider's role, category, size and jurisdiction peer group. Comparable peer data is required for at least 2 measures; 2 eligible measures are present.

Price and contract quality0 supporting fields · peer group banking|role-unknown|100m-1b|US
Insufficient data

Comparable price and contract measures. Published terms alone do not establish good value. Comparable peer data is required for at least 2 measures; 0 eligible measures are present.

Customer outcomes0 supporting fields · peer group banking|role-unknown|100m-1b|US
Insufficient data

Complaint volume is normalized by an exposure denominator and combined with handling measures. Complaints remain allegations, not findings. Comparable peer data is required for at least 2 measures; 0 eligible measures are present.

Operational reliability0 supporting fields · peer group banking|role-unknown|100m-1b|US
Insufficient data

Comparable delivery, uptime, incident or processing measures within the same peer group. Comparable peer data is required for at least 2 measures; 0 eligible measures are present.

Transparency and governance5 supporting fields
71/100

Measures material disclosure and governance evidence. Advertising and social presence are excluded.

Evidence confidence135 supporting fields
98/100

Identity resolution, source trust, claim support and claim level freshness.

Comparable observations

These dated values feed a dimension only when the method, denominator and peer group permit a fair comparison.

equity to assets percent88.62%2026-07-23 · official
return on assets percent0.16%2026-07-23 · official
return on equity percent0.18%2026-07-23 · official

Verification and coverage factors

Identity36 supporting fields
91/100

Legal identity, official domain, contact evidence and verified entity roles.

Regulation25 supporting fields
88/100

Current permissions and restrictions are assessed separately from enforcement history. Registration confirms status, not service quality.

Evidence quality135 supporting fields
100/100

Supported claims, high trust evidence and independent source coverage.

Service evidence14 supporting fields
100/100

Whether the provider's claimed service is supported. Breadth is not rewarded.

Transparency5 supporting fields
71/100

Measures material disclosure and governance evidence. Advertising and social presence are excluded.

How to read this
  • Verification strength describes the research record. It is not a provider quality rating.
  • Research completeness measures category relevant coverage. It does not reward a broad product catalogue.
  • Customer outcomes remain unscored until a valid exposure denominator and comparable handling data are available.
  • Financial resilience remains unscored until at least two comparable directional measures are available.
  • Price and contract quality remains unscored until comparable cost and term measures are available.
  • Operational reliability remains unscored until comparable delivery or incident data are available.
  • An active registration confirms identity or permission in its stated scope. It is not a recommendation or service quality endorsement.
  • ServeAssess does not publish a universal composite quality score across unlike provider roles.

Calculated 2026-07-24 from 7 independent sources.

Observed strengths

  • Regulatory standing: 88/100 from 25 eligible evidence fields. Current permissions and restrictions are assessed separately from enforcement history. Registration confirms status, not service quality.
  • Transparency and governance: 71/100 from 5 eligible evidence fields. Measures material disclosure and governance evidence. Advertising and social presence are excluded.

Limits and open questions

  • Financial resilience or backing: insufficient comparable data. Directionally comparable resilience measures within the provider's role, category, size and jurisdiction peer group. Comparable peer data is required for at least 2 measures; 2 eligible measures are present.
  • Price and contract quality: insufficient comparable data. Comparable price and contract measures. Published terms alone do not establish good value. Comparable peer data is required for at least 2 measures; 0 eligible measures are present.
  • Customer outcomes: insufficient comparable data. Complaint volume is normalized by an exposure denominator and combined with handling measures. Complaints remain allegations, not findings. Comparable peer data is required for at least 2 measures; 0 eligible measures are present.
  • Operational reliability: insufficient comparable data. Comparable delivery, uptime, incident or processing measures within the same peer group. Comparable peer data is required for at least 2 measures; 0 eligible measures are present.
  • Verification strength describes the research record. It is not a provider quality rating.
  • Research completeness measures category relevant coverage. It does not reward a broad product catalogue.
  • Customer outcomes remain unscored until a valid exposure denominator and comparable handling data are available.
  • Financial resilience remains unscored until at least two comparable directional measures are available.

Potential fit signals

consumers customersbusinesses customersinstitutions customerssmall businesses customersonline accessadvisor accessphone access

Based on recorded customer and access fields. This is not a suitability recommendation.

03
Entity and role graph

Who markets, contracts, administers and carries the obligation

A brand can represent several legal parties. Complaints, financial facts and permissions must be attached to the party responsible for that function.

Wilmington Trust, National Associationlegal entity
verified
Wilmington Trust, National Associationmarketing brand
reported
M&T BANK CORPparent company · US
verified
04
Permission map

Products, roles and jurisdictions

bankingUS · legal entity · OCC charter 22859
active
investingUS · legal entity · OCC charter 22859
active
consumer lendingUS · legal entity · OCC charter 22859
active
wealth managementUS · legal entity · OCC charter 22859
active
retirementUS · legal entity · OCC charter 22859
active
mortgagesUS · legal entity · OCC charter 22859
active
bankingUS · legal entity · FDIC certificate 34069
active
investingUS · legal entity · FDIC certificate 34069
active
consumer lendingUS · legal entity · FDIC certificate 34069
active
wealth managementUS · legal entity · FDIC certificate 34069
active
retirementUS · legal entity · FDIC certificate 34069
active
mortgagesUS · legal entity · FDIC certificate 34069
active
private creditUS · legal entity · OCC charter 22859
active
asset financeUS · legal entity · OCC charter 22859
active
private creditUS · legal entity · FDIC certificate 34069
active
asset financeUS · legal entity · FDIC certificate 34069
active

Underlying licence records

Office of the Comptroller of the CurrencyUS · OCC charter 22859
active
Federal Deposit Insurance CorporationUS · FDIC certificate 34069
active
05
Source ledger

Evidence behind this profile

ClaimConfidenceStatus
legal name: Wilmington Trust, National Association98%accepted
regulatory status: active98%accepted
regulatory reference: OCC charter 22859; National Bank; FDIC certificate 34069 (insured); FRB RSSD 2265456; headquarters Rodney Square North, 1100 North Market Street Wilmington, DE 19890; chartered 10/02/199598%accepted
official domain: http://www.wilmingtontrust.com/98%accepted
official domain: https://www.wilmingtontrust.com/55%candidate
offers service: banking55%candidate
offers service: investing55%candidate
offers service: consumer lending55%candidate
offers service: wealth management55%candidate
offers service: retirement55%candidate
mentions market: DE55%candidate
occ charter number: 2285998%accepted
institution type: National Bank98%accepted
main office city: Wilmington98%accepted
main office state: DE98%accepted
corporate address: Rodney Square North, 1100 North Market Street Wilmington, DE 1989098%accepted
trust bank: No98%accepted
charter date: 10/02/199598%accepted
fdic insurance status: Insured98%accepted
fdic certificate number: 3406998%accepted