Community Bank Delaware
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Data as of · sourced from FFIEC call reports. How we update
Community Bank Delaware is an FDIC-insured commercial bank headquartered in Lewes, DE, established in 2006 (FDIC certificate 58311), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $443.6M, up 4.3% from Q2 2025, the 10th largest of 16 banks headquartered in Delaware. Its CET1 capital ratio was 11.88% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58311
- Headquarters
- Lewes, DE
- Established
- 2006
- Total assets, Q2 2026
- $443.6M
- Assets vs Q2 2025
- +4.3%
- CET1 ratio, Q2 2026
- 11.88%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 031101211
- Asset rank in state
- 10th of 16 in Delaware
Community Bank Delaware operates with a thinner capital cushion than most banks of its size. Based in Lewes, Delaware, it had $444 million in assets at June 30, 2026, up 4.3% from a year earlier. It funds 8.58% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also pays an average of 2.64% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $558,000, 31% above the same quarter a year earlier. Over the same year, loans grew 4.9% and deposits grew 8.4%. Profitability lags: it earns about $0.53 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
As of June 30, 2026, Community Bank Delaware reported a CET1 capital ratio of 11.88%, a return on assets of 0.53%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 2.36%. The figures come from its call report filed with the FFIEC.
Of the 16 banks headquartered in Delaware, Community Bank Delaware is the 10th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 5.7% to $443.6M, loans rose 2.4% and deposits rose 4.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 57.8% of total loans, followed by non-owner-occupied commercial real estate loans at 14.8%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in DE; its Lewes office books 63% of its branch deposits. On its Q2 2026 call report, Community Bank Delaware meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 16982 Kings Hwy, Lewes, DE 19958
- County
- Sussex
- Metro Area
- Seaford, DE
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 30, 2006
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $373.2M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $424.4M
- Average total loans
- $357.3M
- Average interest-bearing deposits
- $285.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 30, 2006
- FDIC Cert
- 58311
- Fed RSSD
- 3446784
- Website
- www.communitybankdelaware.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Community Bank Delaware's total assets ranged from $338.4M (Q3 2023) to $443.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$443.6M total assets against $425.4M; $409.5M total liabilities against $393.4M.
$360.4M net loans and leases against $343.7M; $373.2M total deposits against $344.3M.
$15.4M securities against $15.5M; $36.0M cash and balances due against $33.8M.
$5.6M total interest income against $5.2M; $2.5M total interest expense against $2.5M.
$3.1M net interest income against $2.7M.
$217K total noninterest income against $189K; $2.5M total noninterest expense against $2.3M.
$79K provision for credit losses against $27K.
$558K net income against $427K.
0.53% return on assets against 0.42%; 3.15% net interest margin against 2.81%.
11.88% CET1 capital ratio against 11.91%; 8.58% tier 1 leverage ratio against 8.50%.
Inside the full Community Bank Delaware terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Community Bank Delaware rankings
Its closest position to the top of a national ranking is 1,927 of 4,196, for total assets; its furthest is 3,218 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.42% (Q2 2025) to 0.66% (Q4 2025) and its net interest margin ran from 2.56% (Q3 2024) to 3.15% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.88% | 0.53% | 0.24% | 2.36% | 3.15% |
| Q1 2026 | 12.16% | 0.53% | 0.25% | 2.40% | 3.07% |
| Q4 2025 | 12.16% | 0.66% | 0.26% | 2.50% | 3.12% |
| Q3 2025 | 11.86% | 0.48% | 0.03% | 0.32% | 2.85% |
| Q2 2025 | 11.91% | 0.42% | 0.02% | 0.19% | 2.81% |
| Q1 2025 | 11.41% | 0.47% | 0.04% | 0.40% | 2.71% |
| Q4 2024 | 11.49% | 0.55% | 0.04% | 0.41% | 2.69% |
| Q3 2024 | 11.83% | 0.46% | 0.05% | 0.46% | 2.56% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community Bank Delaware (main office) | Lewes , DE | 19958 | $236.4M |
| Rehoboth Gateway Branch | Rehoboth Beach , DE | 19971 | $53.8M |
| Seaford Branch | Seaford , DE | 19973 | $51.5M |
| Millsboro Branch | Millsboro , DE | 19966 | $31.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in DE, rank 16 of 31 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.9M approved, $1.9M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Community Bank Delaware
What are Community Bank Delaware's total assets?
As of the Q2 2026 filing, Community Bank Delaware reported total assets of $443.6 million in its FFIEC call report.
Where is Community Bank Delaware headquartered?
It is headquartered in Lewes, DE, United States.
When was Community Bank Delaware founded?
It was established in 2006, per the FDIC institution directory.
Is Community Bank Delaware FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58311). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank Delaware?
Community Bank Delaware's primary federal regulator is the FDIC.
What is Community Bank Delaware's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.88% in its Q2 2026 call report, above regulatory requirements.
How many branches does Community Bank Delaware operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bank Delaware's Texas Ratio?
Its Texas Ratio is 2.36% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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