Community Bank Delaware: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.38 percentage points higher than in Q1 2026, at 351.97%. Community Bank Delaware has the 1st lowest return on assets of the 17 banks headquartered in Delaware, at 0.53% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Community Bank Delaware reported 0.53% on return on assets in Q2 2026, 0.73 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.88% |
| Tier 1 risk-based capital ratio | 11.88% |
| Total risk-based capital ratio | 12.98% |
| Tier 1 leverage ratio | 8.58% |
| Equity capital to assets | 7.69% |
| Tangible equity to tangible assets | 7.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 2.51% |
| Allowance for credit losses to loans | 0.91% |
| Reserve coverage of non-performing loans | 351.97% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.53% |
| Return on equity | 6.58% |
| Net interest margin | 3.15% |
| Efficiency ratio | 75.37% |
| Yield on earning assets | 5.62% |
| Cost of funds | 2.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.45% |
| Core deposits to total deposits | 78.89% |
| Brokered deposits to total deposits | 8.04% |
| Deposits to assets | 84.14% |
| Securities to assets | 3.48% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.59% | 12.59% | 13.82% | 9.52% | 0.67% |
| Q4 2023 | 12.18% | 12.18% | 13.41% | 9.14% | 0.57% |
| Q1 2024 | 11.79% | 11.79% | 12.97% | 8.86% | 0.38% |
| Q2 2024 | 11.78% | 11.78% | 12.95% | 8.63% | 0.41% |
| Q3 2024 | 11.83% | 11.83% | 13.00% | 8.54% | 0.46% |
| Q4 2024 | 11.49% | 11.49% | 12.64% | 8.41% | 0.55% |
| Q1 2025 | 11.41% | 11.41% | 12.55% | 8.28% | 0.47% |
| Q2 2025 | 11.91% | 11.91% | 13.00% | 8.50% | 0.42% |
| Q3 2025 | 11.86% | 11.86% | 12.95% | 8.05% | 0.48% |
| Q4 2025 | 12.16% | 12.16% | 13.27% | 8.35% | 0.66% |
| Q1 2026 | 12.16% | 12.16% | 13.27% | 8.60% | 0.53% |
| Q2 2026 | 11.88% | 11.88% | 12.98% | 8.58% | 0.53% |
Community Bank Delaware vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank Delaware, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)