Total Assets
$666M
Total balance-sheet footings
FDIC Cert #33009 · Rehoboth Beach, Delaware · Est. 1990
County Bank - FDIC Bank Health Profile
A community-scale look at County Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $666M
- Total assets
- A
- Health grade · Excellent
- 3.50%
- Return on assets
- 18.7%
- Tier 1 capital
Data updated July 2026
The verdict
County Bank earns a PlainBankData health grade of A (100/100), with well-capitalized at 18.66% Tier 1, profitable at 3.50% ROA, efficient (36% cost ratio).
- #1,430
- largest of 4,313 FDIC banks by assets
- 67th
- percentile by asset size, nationally
- 18.66%
- Tier 1 ratio - above the 10% well-capitalized line
- 99th
- 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.
How County Bank's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
County Bank's composite health score
Tier 1 Capital Ratio (18.66%) 40/40
Return on Assets (ROA) (3.50%) 25/25
Texas Ratio (0.33%) 20/20
Efficiency Ratio (35.82%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$553M
Customer-funded liabilities
Net Loans
$483M
Outstanding loan book
Net Income
$23M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where County Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. County Bank's score of 100/100 falls in the highlighted band.
County Bank'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). County Bank's $666M falls in the highlighted band.
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
18.66%
Texas Ratio
0.33%
Equity Capital
$92M
Profitability metrics
Return on Assets (ROA)
99th percentile nationally
3.50%
Return on Equity (ROE)
28.33%
Efficiency Ratio
35.82%
What the numbers say about County Bank
County Bank is an FDIC-insured institution (Certificate #33009) headquartered in Rehoboth Beach, Delaware, established in 1990. It holds $666M in total assets - 1,430th of 4,313 FDIC-insured banks, $553M in customer deposits, and $483M in net loans. Looking at capital strength, Tier 1 stands at 18.66%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.33%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (100/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Delaware, County Bank ranks 10th of 16 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$39M
Interest Income
$16M
Non-Interest Income
$17M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. County Bank reports a Texas Ratio of 0.33% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.33% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Delaware by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) County Bank (FDIC Cert #33009) - 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.
Other banks in Delaware
All Delaware banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is County Bank's health grade?▼
County Bank receives a health grade of A (100/100) 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, ranking 1,430th of 4,313 FDIC-insured banks by asset size. It is headquartered in Rehoboth Beach, Delaware.
Is my money safe at County Bank?▼
Yes, deposits at County Bank (Certificate #33009) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
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.
What is the Texas Ratio for County Bank?▼
County Bank has a Texas Ratio of 0.33%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
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.
What to do with this
How to read County Bank's profile as a depositor or analyst.
- County Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare County Bank against other Delaware banks before moving funds. Delaware banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.