Community Bank Delaware: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which fell 0.34 percentage points to 7.69%. Community Bank Delaware has the 2nd lowest CET1 ratio of the 14 banks headquartered in Delaware, at 11.88% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Community Bank Delaware sits 3.19 points lower, at 11.88% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.88% |
| Tier 1 risk-based capital ratio | 11.88% |
| Total risk-based capital ratio | 12.98% |
| Tier 1 leverage ratio | 8.58% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $36.4M |
| Tier 1 capital | $36.4M |
| Total risk-based capital | $39.8M |
| Total equity capital | $34.1M |
| Risk-weighted assets | $306.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.69% |
| Tangible equity to tangible assets | 7.69% |
| Equity capital to average assets | 8.04% |
| Internal capital growth rate | 4.28% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.2M |
| Common stock surplus | $20.8M |
| Retained earnings | $13.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.59% | 12.59% | 13.82% | 9.52% | $246.4M |
| Q4 2023 | 12.18% | 12.18% | 13.41% | 9.14% | $256.5M |
| Q1 2024 | 11.79% | 11.79% | 12.97% | 8.86% | $265.7M |
| Q2 2024 | 11.78% | 11.78% | 12.95% | 8.63% | $268.2M |
| Q3 2024 | 11.83% | 11.83% | 13.00% | 8.54% | $269.6M |
| Q4 2024 | 11.49% | 11.49% | 12.64% | 8.41% | $281.2M |
| Q1 2025 | 11.41% | 11.41% | 12.55% | 8.28% | $286.1M |
| Q2 2025 | 11.91% | 11.91% | 13.00% | 8.50% | $291.6M |
| Q3 2025 | 11.86% | 11.86% | 12.95% | 8.05% | $296.2M |
| Q4 2025 | 12.16% | 12.16% | 13.27% | 8.35% | $293.7M |
| Q1 2026 | 12.16% | 12.16% | 13.27% | 8.60% | $296.5M |
| Q2 2026 | 11.88% | 11.88% | 12.98% | 8.58% | $306.5M |
Community Bank Delaware regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank Delaware, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community Bank Delaware profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58311) · FFIEC NIC profile (RSSD 3446784)