County Bank (Rehoboth Beach, DE)
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Data as of · sourced from FFIEC call reports. How we update
County Bank is an FDIC-insured commercial bank headquartered in Rehoboth Beach, DE, established in 1990 (FDIC certificate 33009), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $696.4M, up 9.1% from Q2 2025, the 9th largest of 16 banks headquartered in Delaware. Its CET1 capital ratio was 18.96% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 33009
- Headquarters
- Rehoboth Beach, DE
- Established
- 1990
- Total assets, Q2 2026
- $696.4M
- Assets vs Q2 2025
- +9.1%
- CET1 ratio, Q2 2026
- 18.96%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 031100872
- Holding company
- CB FINANCIAL CORP
- Asset rank in state
- 9th of 16 in Delaware
County Bank is one of the more profitable banks of its size. Its balance sheet stood at $696 million at June 30, 2026, up 9.1% from a year earlier; it is based in Rehoboth Beach, Delaware. It earns about $3.31 a year on every $100 of assets, 2.6 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 37 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.30% of loans, against 0.07% a year earlier. Loans are outrunning deposits: over the year loans rose 10.6% and deposits rose 7.4%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, County Bank reported a CET1 capital ratio of 18.96%, a return on assets of 3.31%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 1.51%. The figures come from its call report filed with the FFIEC.
Of the 16 banks headquartered in Delaware, County Bank is the 9th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.7% to $696.4M, loans rose 2.6% and deposits rose 1.7%. Non-owner-occupied commercial real estate loans made up 24.9% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 17.3%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in DE; its Rehoboth Beach office books 22% of its branch deposits. On its Q2 2026 call report, County Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 19927 Shuttle Rd, Rehoboth Beach, DE 19971
- 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
- July 9, 1990
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 95
- Domestic deposits
- $577.8M
- Allowance for credit losses
- $4.7M
- Net charge-offs (YTD)
- $61K
- Average total assets
- $699.3M
- Average total loans
- $525.1M
- Average interest-bearing deposits
- $425.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 9, 1990
- FDIC Cert
- 33009
- Fed RSSD
- 1459735
- Website
- http://WWW.COUNTYBANKDEL.COM →
- Parent Holding Company
- CB FINANCIAL CORP (RSSD 3246425)
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
Over the 12 quarters to Q2 2026, County Bank's total assets ran between $580.4M (Q3 2023) and $696.4M (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
$696.4M total assets against $638.5M; $596.6M total liabilities against $560.6M.
$514.1M net loans and leases against $465.1M; $577.8M total deposits against $538.0M.
$83.0M securities against $98.4M; $60.9M cash and balances due against $37.6M.
$10.5M total interest income against $9.5M; $1.8M total interest expense against $1.8M.
$8.6M net interest income against $7.7M.
$4.3M total noninterest income against $3.7M; $4.9M total noninterest expense against $4.3M.
$307K provision for credit losses against -$89K.
$5.8M net income against $5.4M.
3.31% return on assets against 3.32%; 5.25% net interest margin against 5.05%.
18.96% CET1 capital ratio against 17.10%; 15.41% tier 1 leverage ratio against 13.57%.
Inside the full County Bank 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.
County Bank rankings
Its closest position to the top of a national ranking is 50 of 3,611, for ROA; its furthest is 2,467 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.03% (Q3 2024) to 4.15% (Q4 2025) and its net interest margin ran from 4.55% (Q3 2024) to 5.55% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.96% | 3.31% | 0.30% | 1.51% | 5.25% |
| Q1 2026 | 18.94% | 3.27% | 0.06% | 0.31% | 5.23% |
| Q4 2025 | 18.66% | 4.15% | 0.07% | 0.33% | 5.48% |
| Q3 2025 | 17.53% | 3.74% | 0.06% | 0.34% | 5.55% |
| Q2 2025 | 17.10% | 3.32% | 0.07% | 0.43% | 5.05% |
| Q1 2025 | 16.16% | 2.46% | 0.03% | 0.19% | 4.70% |
| Q4 2024 | 16.21% | 2.67% | 0.04% | 0.27% | 4.70% |
| Q3 2024 | 16.21% | 2.03% | 0.08% | 0.47% | 4.55% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| County Bank (main office) | Rehoboth Beach , DE | 19971 | $125.8M |
| Millville Branch | Millville , DE | 19967 | $98.5M |
| Lewes Branch | Lewes , DE | 19958 | $84.7M |
| Milford Branch | Milford , DE | 19963 | $81.5M |
| Georgetown Branch | Georgetown , DE | 19947 | $72.7M |
| Long Neck Branch | Millsboro , DE | 19966 | $60.9M |
| Milton Branch | Milton , DE | 19968 | $53.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in DE, rank 15 of 31 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 39 applications, 24 loans originated, $7.0M originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $255K approved, $255K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 County Bank
What are County Bank's total assets?
As of the Q2 2026 filing, County Bank reported total assets of $696.4 million in its FFIEC call report.
Where is County Bank headquartered?
It is headquartered in Rehoboth Beach, DE, United States.
When was County Bank founded?
It was established in 1990, per the FDIC institution directory.
Is County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33009). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates County Bank?
County Bank's primary federal regulator is the FDIC.
What is County Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.96% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does County Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is County Bank's Texas Ratio?
Its Texas Ratio is 1.51% 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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