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Community Bank Delaware

Lewes, DE · Cert 58311

State charter, non-member · FDIC · 4 branches

Q2 2026

$443.6MAssets
$363.7MLoans
$373.2MDeposits
$34.1MEquity
Loan mix
97%RE $343.1M3%C&I $9.1M0%Consumer $1.1MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $305.9M18%Noninterest $67.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.52%, up 10 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.24% of loans (+22 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.58%, up 9 bps from a year ago.
  • Funding: loans stand at 97.45% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.52%+10 bps YoY

Net Interest Margin (quarter, annualized)

2.95%+31 bps YoY

Efficiency Ratio (quarter, annualized)

75.49%-389 bps YoY

Tier 1 Leverage Ratio

8.58%+9 bps YoY

NIM

4.98%Q2 ’245.11%Q2 ’255.27%Q2 ’26+5%+12%

Non-interest income vs. expense

2.12%Q2 ’242.24%Q2 ’252.38%Q2 ’26+5%+6%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.56%0.47%0.42%0.49%0.66%0.52%0.52%+10 bps
Return on Equity5.86%7.19%6.19%5.50%6.48%8.51%6.64%6.58%+108 bps
Net Interest Margin2.41%2.53%2.55%2.64%2.68%2.92%2.87%2.95%+31 bps
Efficiency Ratio76.48%74.17%76.29%79.38%76.01%72.81%75.93%75.49%-389 bps
Non-Interest Burden1.77%1.81%1.90%2.06%1.99%2.08%2.14%2.18%+12 bps
Growth
Asset Growth (YoY)10.16%12.77%10.31%15.00%14.85%9.99%5.85%4.27%-1,074 bps
Loan Growth (YoY)12.75%12.41%9.34%9.68%9.39%5.02%4.20%4.88%-480 bps
Deposit Growth (YoY)7.84%10.88%13.37%17.73%21.95%16.50%13.51%8.41%-932 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.04%0.04%0.02%0.03%0.26%0.25%0.24%+22 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.13%0.00%0.02%0.00%0.00%-13 bps
Allowance / Loans0.98%0.95%0.94%0.90%0.91%0.91%0.91%0.91%+1 bps
Allowance Coverage of NPLs20.8x23.8x24.2x46.7x27.7x3.5x3.7x3.8x-43.0x
Capital
Tier 1 Leverage Ratio8.54%8.41%8.28%8.50%8.05%8.35%8.60%8.58%+9 bps
Total Risk-Based Capital13.00%12.64%12.55%13.00%12.95%13.27%13.27%12.98%-2 bps
Equity / Assets7.96%7.56%7.57%7.54%7.67%7.78%8.03%7.69%+15 bps
Liquidity & Funding
Loans / Deposits107.50%107.86%108.35%100.74%96.43%97.23%99.46%97.45%-328 bps
Liquid Assets / Assets2.59%2.60%2.54%7.07%6.55%6.70%3.86%7.15%+8 bps
CRE / Total Capitaln/an/an/an/a361%353%358%n/an/a