Total Assets
$666M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
County Bank — FDIC Bank Health Profile
Rehoboth Beach, Delaware · Est. 1990. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #33009 New York Region
A
Health grade
Excellent
Score: 80/100
Basel III capital ratios — County Bank
Total Deposits
$553M
Customer-funded liabilities
Net Loans
$483M
Outstanding loan book
Net Income
$23M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
18.66% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
18.66%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$92M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
3.50%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
28.33%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
35.82%
Income & Expense Breakdown
$39M
Interest Income
$16M
Non-Interest Income
$17M
Non-Interest Expense
FDIC Deposit Insurance
County Bank is FDIC-insured (Certificate #33009). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About County Bank
County Bank is an FDIC-insured institution (Certificate #33009) headquartered in Rehoboth Beach, Delaware, established in 1990. The bank currently holds $666M in total assets and $553M in customer deposits, with $483M deployed as loans. It operates as a State chartered (State member bank) within the FDIC New York region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, County Bank reports a Tier 1 Capital Ratio of 18.66% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $92M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 3.50% and a Return on Equity of 28.33%, with an Efficiency Ratio of 35.82% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of A (80/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at County Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Delaware by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data County Bank (FDIC Cert #33009) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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.
Other Banks in Delaware
All Delaware banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| PNC Bank, National Association Wilmington | $568.3B | C | 1.30% |
| TD Bank, National Association Wilmington | $346.2B | C | 0.54% |
| Santander Bank, N.A. Wilmington | $104.1B | B | 1.36% |
| Barclays Bank Delaware Wilmington | $47.6B | C | 0.87% |
| TD Bank USA, National Association Wilmington | $34.6B | B | 1.16% |
| Wilmington Savings Fund Society, FSB Wilmington | $21.2B | B | 1.43% |
| Comenity Bank Wilmington | $7.8B | A | 4.91% |
| Wilmington Trust, National Association Wilmington | $773M | B | 7.95% |
Frequently Asked Questions
What is County Bank's health grade? ▼
County Bank receives a health grade of A (80/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is County Bank? ▼
County Bank holds $666M in total assets and $553M in deposits. It is headquartered in Rehoboth Beach, Delaware.
Is my money safe at County Bank? ▼
Yes. County Bank is FDIC-insured (Certificate #33009). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is County Bank's Tier 1 Capital Ratio? ▼
County Bank has a Tier 1 Capital Ratio of 18.66%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is County Bank? ▼
County Bank has an Efficiency Ratio of 35.82%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.