Community Bank Delaware
Total assets
$443.6M
▲ +4.3% YoY
Deposits
$373.2M
▲ +8.4% YoY
Loans
$360.4M
▲ +4.9% YoY
Offices
4
ROA (annualized)
0.52%
peers 1.24%
ROE (annualized)
6.61%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +4.4% | -0.1 pts |
| Deposit growth (YoY) | +8.4% | +4.0% | +4.5 pts |
| Loan growth (YoY) | +4.9% | +5.6% | -0.7 pts |
| ROA | 0.52% | 1.24% | -0.7 pts |
| ROE | 6.6% | 11.9% | -5.3 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
Profile
- Established
- 2006
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 16982 Kings Hwy, Lewes, DE, 19958
- County
- Sussex
- Metro area
- Salisbury, MD-DE
- Offices
- 4
- FDIC cert #
- 58311
- RSSD ID
- 3446784
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $443.6M | $373.2M | $360.4M | $34.1M | $1.1M | 0.52% | 3.09% | 0.20% |
| Q1 2026 | $419.6M | $357.3M | $352.1M | $33.7M | $557K | 0.52% | 3.08% | 0.21% |
| Q4 2025 | $430.1M | $363.2M | $349.9M | $33.5M | $2.1M | 0.51% | 2.95% | 0.21% |
| Q3 2025 | $428.1M | $363.4M | $347.2M | $32.8M | $1.4M | 0.46% | 2.87% | 0.03% |
| Q2 2025 | $425.4M | $344.3M | $343.7M | $32.1M | $888K | 0.44% | 2.80% | 0.02% |
| Q1 2025 | $396.4M | $314.7M | $337.8M | $30.0M | $461K | 0.47% | 2.77% | 0.03% |
| Q4 2024 | $391.1M | $311.8M | $333.1M | $29.6M | $1.7M | 0.45% | 2.70% | 0.03% |
| Q3 2024 | $372.7M | $298.0M | $317.2M | $29.7M | $1.1M | 0.42% | 2.69% | 0.04% |
Loan mix (Q2 2026): real estate $348.6M · commercial $8.6M · consumer $1.1M · securities $15.4M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Community Bank Delaware | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 1.24% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 11.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.96% | 13th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 62.9% | 79th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Community Bank Delaware | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Community Bank Delaware | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Community Bank Delaware | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Community Bank Delaware | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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