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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 8 bps year over year; NIM at 2.90%.
  • 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 (YTD, annualized)

0.52%+8 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+35 bps YoY

Efficiency Ratio (YTD, annualized)

75.70%-218 bps YoY

Tier 1 Leverage Ratio

8.58%+9 bps YoY

NIM

4.85%Q2 ’244.97%Q2 ’255.20%Q2 ’26+4%+14%

Non-interest income vs. expense

2.11%Q2 ’242.13%Q2 ’252.33%Q2 ’26+1%+10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.45%0.47%0.44%0.46%0.51%0.52%0.52%+8 bps
Return on Equity5.26%5.76%6.19%5.81%6.06%6.71%6.64%6.61%+79 bps
Net Interest Margin2.40%2.38%2.55%2.55%2.48%2.63%2.87%2.90%+35 bps
Efficiency Ratio78.95%77.67%76.29%77.89%77.21%76.00%75.93%75.70%-218 bps
Non-Interest Burden1.84%1.80%1.90%1.94%1.88%1.96%2.14%2.15%+20 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%0.07%0.04%0.04%0.00%0.00%-7 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