FDIC Cert #58311 · Lewes, Delaware · Est. 2006

Community Bank Delaware - FDIC Bank Health Profile

A community-scale look at Community Bank Delaware's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$430M
Total assets
B
Health grade · Good
0.51%
Return on assets
12.2%
Tier 1 capital

Data updated July 2026

The verdict

Community Bank Delaware earns a PlainBankData health grade of B (73/100), with well-capitalized at 12.16% Tier 1, 0.51% ROA, 76% efficiency ratio.

#1,991
largest of 4,313 FDIC banks by assets
54th
percentile by asset size, nationally
12.16%
Tier 1 ratio - above the 10% well-capitalized line
16th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 58311 · DE B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2781/4307
  • PHOTO-FINISH US Metro Bank · CA
  • TIER1-WELL 12.2% Tier 1
  • TEXAS-CLEAN 2.5% Texas
  • ROA-THIN 0.51% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Delaware: US Metro Bank, CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Community Bank Delaware

Lowest and highest poles plus nearest scored peers outside Delaware, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community Bank Delaw… · DE ·…73/100Investar Bank, Natio… · LA ·…73/100Pacific Alliance Bank · CA ·…73/100Town Center Bank · IL · near73/100US Metro Bank · CA · near73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Community Bank Delaware · July 2026

Plate reading for Community Bank Delaware where failures stay rare

Community Bank Delaware (FDIC Cert #58311) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,781 of 4,307. Tier 1 capital prints at 12.16%, clearing the 10% well-capitalized line. The Texas Ratio is 2.50%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.51%. Balance-sheet scale is $430M, 1,991st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is US Metro Bank (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Community Bank Delaware

Zero FAILURE resolutions in Delaware since 2000

Community Bank Delaware is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST REPUBLICBANK DELAWARE NEWARK, DE 1988 → CITIBANK DELAWARE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Delaware banks.

How Community Bank Delaware's 73/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10073/100
Community Bank Delaware's composite health score
Tier 1 Capital Ratio (12.16%) 35/40
Return on Assets (ROA) (0.51%) 14/25
Texas Ratio (2.50%) 20/20
Efficiency Ratio (76.00%) 4/15

73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$430M

Total balance-sheet footings

Total Deposits

$363M

Customer-funded liabilities

Net Loans

$350M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.76% 12.16% 13.56%
Basel III capital ratios - Community Bank Delaware

Where Community Bank Delaware ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community Bank Delaware's score of 73/100 falls in the highlighted band.

Community Bank Delaware: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 35th percentile higher than 35% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Community Bank Delaware 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Community Bank Delaware's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Community Bank Delaware's $430M falls in the highlighted band.

Safety metrics: Community Bank Delaware

Tier 1 capital ratio
Well-capitalized 10%

12.16% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.16%
Texas Ratio
2.50%
Equity Capital
$33M

What these ratios mean →

Profitability metrics: Community Bank Delaware

Return on Assets (ROA)
16th percentile nationally
0.51%
Return on Equity (ROE)
6.71%
Efficiency Ratio
76.00%

What these mean →

Income & expense at Community Bank Delaware

$21M
Interest Income
$786K
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Community Bank Delaware reports a Texas Ratio of 2.50% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.50% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Community Bank Delaware on FDIC BankFind →

Top banks in Delaware by total assets

Largest banks headquartered in Delaware
  1. 1
    PNC Bank $568.3B

    Wilmington, DE · Grade A

  2. 2
    TD Bank $346.2B

    Wilmington, DE · Grade A

  3. 3
    Santander Bank $104.1B

    Wilmington, DE · Grade A

  4. 4
    Barclays Bank Delaware $47.6B

    Wilmington, DE · Grade B

  5. 5
    TD Bank USA $34.6B

    Wilmington, DE · Grade A

Top 5 banks in Delaware ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($430M here), outside Delaware so the neighborhood is not state containment.

The Citizens State Bank $430M · KS Texas State Bank $430M · TX BankFlorida $430M · FL Exchange Bank of Missouri $431M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community Bank Delaware (FDIC Cert #58311) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Community Bank Delaware Call Report profile · FDIC Failed Bank List · Delaware FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Delaware

All Delaware banks →
BankAssetsGradeROA
PNC Bank, National AssociationWilmington $568.3B A 1.30%
TD Bank, National AssociationWilmington $346.2B A 0.54%
Santander Bank, N.A.Wilmington $104.1B A 1.36%
Barclays Bank DelawareWilmington $47.6B B 0.87%
TD Bank USA, National AssociationWilmington $34.6B A 1.16%
Wilmington Savings Fund Society, FSBWilmington $21.2B A 1.43%
Comenity BankWilmington $7.8B A 4.91%
Wilmington Trust, National AssociationWilmington $773M A 7.95%