Community Bank Delaware: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 7.66 percentage points higher than in Q1 2026, at 213.65%. Among 17 Delaware banks, Community Bank Delaware sits 3rd from the top on loan-to-deposit ratio, 97.45% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community Bank Delaware sits 16.61 points higher, at 97.45% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $363.7M |
| Net loans and leases | $360.4M |
| Loans held for sale | $0 |
| Loans to total assets | 82.00% |
| Loan-to-deposit ratio | 97.45% |
| Net loans to equity capital | 10.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.44% |
| Multifamily (5+ residential) | 1.84% |
| Commercial and industrial | 2.36% |
| Consumer | 0.29% |
| Credit cards | 0.00% |
| Farm | 1.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.48% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 213.65% |
| Construction concentration (Tier 1 capital + allowance) | 61.48% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $5.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $284.1M | $276.3M | 30.55% | 2.78% | 0.18% |
| Q4 2023 | $299.2M | $281.2M | 29.38% | 3.37% | 0.15% |
| Q1 2024 | $311.9M | $277.6M | 29.75% | 2.49% | 0.16% |
| Q2 2024 | $316.2M | $292.4M | 29.23% | 2.40% | 0.15% |
| Q3 2024 | $320.3M | $298.0M | 28.63% | 2.39% | 0.17% |
| Q4 2024 | $336.3M | $311.8M | 29.40% | 2.22% | 0.16% |
| Q1 2025 | $341.0M | $314.7M | 28.85% | 2.64% | 0.15% |
| Q2 2025 | $346.8M | $344.3M | 28.03% | 2.34% | 0.14% |
| Q3 2025 | $350.4M | $363.4M | 27.23% | 2.41% | 0.17% |
| Q4 2025 | $353.2M | $363.2M | 27.16% | 2.50% | 0.17% |
| Q1 2026 | $355.3M | $357.3M | 28.31% | 2.57% | 0.30% |
| Q2 2026 | $363.7M | $373.2M | 28.44% | 2.36% | 0.29% |
Community Bank Delaware loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank Delaware, freeSource: Call Report Schedule RC-C, 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)