County Bank
Rehoboth Beach, DE · Cert 33009 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · CB Financial Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
$696.4MAssets
$518.8MLoans
$577.8MDeposits
$99.8MEquity
Executive Summary
- Strongest standing: return on assets outperforms 99% of banks under $1B in assets operating in a single state (rank 11 of 746).
- Widest gap: net charge-offs / loans trails 59% of banks under $1B in assets operating in a single state (rank 440 of 743).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
3.27%
Rank 11 of 746
Net Interest Margin
4.86%
Rank 43 of 746
Efficiency Ratio
38.02%
Rank 16 of 746
Equity / Assets
14.33%
Rank 121 of 746
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 98% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.27% | 0.72% | 1.06% | 1.45% | Beats 99% | 11 / 746 | |
| Return on Equity | 22.82% | 6.74% | 10.51% | 13.63% | Beats 98% | 18 / 746 | |
| Net Interest Margin | 4.86% | 3.17% | 3.68% | 4.16% | Beats 94% | 43 / 746 | |
| Efficiency Ratio | 38.02% | 55.74% | 64.58% | 75.47% | Beats 98% | 16 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.09% | 0.42% | 1.07% | Beats 59% | 305 / 743 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 41% | 440 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 18.96% | 11.55% | 13.75% | 17.60% | Beats 80% | 149 / 746 | |
| Total Risk-Based Capital Ratio | 19.83% | 11.71% | 14.33% | 18.43% | Beats 80% | 146 / 746 | |
| Equity / Assets | 14.33% | 8.90% | 10.51% | 13.06% | Beats 84% | 121 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 89.80% | 61.31% | 78.27% | 90.78% | 73rd pctl | 201 / 746 | |
| Loans / Assets | 74.50% | 53.60% | 66.97% | 76.08% | 70th pctl | 227 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |