Community Bank Delaware
Lewes, DE·RSSD 3446784·FDIC 58311·bank:3446784·Risk-based ratios where reported
- #12 of 26Total assets in Delaware
- 4offices
- 48employees
- #3 of 18Margin improvement in Delaware
- #3 of 13Deposit growth in Delaware
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Community Bank Delaware
1 of 24 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Borrowed funding falling while the peer median holds steadyNotable: Funding 2nd quarter6.1%peers 1.0%+5.1 pp
Community Bank Delaware's borrowings as a share of assets fell 3.8 percentage points over the past year to 6.1%. Among 1437 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Borrowings as a share of assets | ||
| 6.1% | 1.0% | +5.1 pp |
| 12-month change | ||
| -3.8 pp | 0.0 pp | -3.8 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Community Bank Delaware itself is left out of every peer median and percentile. How signals work
Where Community Bank Delaware differs most from peers
Leverage capital ratio among the lowest of similar banksContext: Capital8.58%peers 10.81%-2.2 pp
Community Bank Delaware's leverage ratio was 8.58%, compared with a median of 10.81% among 1437 similar banks: lower than 93% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 8.58% | 10.81% | -2.2 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Community Bank Delaware itself is left out of every peer median and percentile. How signals work
Net charge-offs falling while the peer median holds steadyContext: Asset quality-0.00%peers 0.00%0 bps
Community Bank Delaware's annualized net charge-off rate fell 13 bps over the past year to -0.00%. Among 1427 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| -0.00% | 0.00% | 0 bps |
| 12-month change | ||
| -13 bps | 0 bps | -13 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Community Bank Delaware itself is left out of every peer median and percentile. How signals work
Key facts
- Community Bank Delaware is a bank headquartered in Lewes, Delaware. It reported $444 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $373 million, up 8.4% from a year earlier, and loans totaled $364 million, up 4.9%.
- Its net interest margin was 3.16% and its annualized return on assets was 0.52% for the quarter.
- Its cost of all deposits was 2.42%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Community Bank Delaware's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Community Bank Delaware · Bank
- Federal Reserve RSSD
- 3446784
- FDIC certificate
- 58311
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Community Bank Delaware itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $558K | — | |
| $5.59M | — | |
| $2.46M | — | |
| $3.13M | — | |
| $217K | — | |
| $2.53M | — | |
| $77K | — | |
| $79K | — | |
| 0.52% | 0.52%ROAQ · Quarter | |
| 3.16% | 3.15%NIMYQ · Quarter | |
| 75.49% | 75.49%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.