County Bank: 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 Loan-to-deposit ratio: 0.75 percentage points higher than in Q1 2026, at 89.80%. Within Delaware, County Bank is 6th of 16 on return on assets, 3.31% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, County Bank reported 3.31% on return on assets in Q2 2026, 2.06 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.96% |
| Tier 1 risk-based capital ratio | 18.96% |
| Total risk-based capital ratio | 19.83% |
| Tier 1 leverage ratio | 15.41% |
| Equity capital to assets | 14.33% |
| Tangible equity to tangible assets | 14.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.30% |
| Non-performing assets ratio | 0.23% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.51% |
| Allowance for credit losses to loans | 0.91% |
| Reserve coverage of non-performing loans | 298.86% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.31% |
| Return on equity | 23.59% |
| Net interest margin | 5.25% |
| Efficiency ratio | 37.42% |
| Yield on earning assets | 6.37% |
| Cost of funds | 1.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.80% |
| Core deposits to total deposits | 91.45% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.96% |
| Securities to assets | 11.92% |
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 | 14.32% | 14.32% | 15.19% | 11.49% | 1.78% |
| Q4 2023 | 14.68% | 14.68% | 15.55% | 12.11% | 1.85% |
| Q1 2024 | 14.97% | 14.97% | 15.84% | 12.24% | 1.63% |
| Q2 2024 | 15.58% | 15.58% | 16.44% | 12.50% | 1.82% |
| Q3 2024 | 16.21% | 16.21% | 17.12% | 12.38% | 2.03% |
| Q4 2024 | 16.21% | 16.21% | 17.07% | 12.90% | 2.67% |
| Q1 2025 | 16.16% | 16.16% | 17.01% | 13.13% | 2.46% |
| Q2 2025 | 17.10% | 17.10% | 17.94% | 13.57% | 3.32% |
| Q3 2025 | 17.53% | 17.53% | 18.36% | 14.12% | 3.74% |
| Q4 2025 | 18.66% | 18.66% | 19.53% | 14.86% | 4.15% |
| Q1 2026 | 18.94% | 18.94% | 19.78% | 15.36% | 3.27% |
| Q2 2026 | 18.96% | 18.96% | 19.83% | 15.41% | 3.31% |
County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock County Bank, 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 County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33009) · FFIEC NIC profile (RSSD 1459735)