BlastPoint's Banking Scorecard
County Bank
Rehoboth Beach, DE
7 branches across DE
County Bank has 5 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 2.7% in tier
- + Credit Quality Leader: Top 5.4% in tier
- + Profitability Leader: Top 6.0% in tier
- + Net Interest Margin 1.40% above tier average
- + Efficiency Ratio 26.71% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.1% in tier
- - Liquidity Overhang: Bottom 28.4% in tier
- - Credit Risk Growth: Bottom 29.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$684.8M
+4.3% YoY
+2.9% QoQ
|
+$298.7M |
$386.1M
+0.5% YoY
|
$70.8B
+0.0% YoY
|
$6.2B
+9.1% YoY
|
Top 13.3% in tier |
| Total Loans ? |
$501.3M
+8.3% YoY
+3.7% QoQ
|
+$245.6M |
$255.7M
+1.1% YoY
|
$38.8B
+4.8% YoY
|
$3.2B
+10.8% YoY
|
Top 10.9% in tier |
| Total Deposits ? |
$567.9M
+6.0% YoY
+2.6% QoQ
|
+$240.0M |
$328.0M
+0.1% YoY
|
$56.2B
+0.9% YoY
|
$4.8B
+8.2% YoY
|
Top 14.9% in tier |
| Return on Assets ? |
3.31%
+33.6% YoY
-5.2% QoQ
|
+2.04% |
1.27%
+12.9% YoY
|
2.25%
-5.9% YoY
|
1.23%
+13.4% YoY
|
Top 1.3% in tier |
| Net Interest Margin ? |
5.33%
+11.3% YoY
-0.5% QoQ
|
+1.40% |
3.93%
+6.0% YoY
|
5.71%
+1.4% YoY
|
3.89%
+5.7% YoY
|
Top 4.1% in tier |
| Efficiency Ratio ? |
38.57%
-8.3% YoY
+7.7% QoQ
|
-26.71% |
65.29%
-4.5% YoY
|
53.58%
-1.6% YoY
|
66.95%
-4.1% YoY
|
Top 2.9% in tier |
| Delinquency Rate ? |
0.06%
+97.1% YoY
-5.1% QoQ
|
-0.82% |
0.89%
+18.8% YoY
|
1.76%
+0.3% YoY
|
0.95%
+18.8% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
88.27%
+2.2% YoY
+1.1% QoQ
|
+11.63% |
76.64%
+0.8% YoY
|
82.81%
-6.4% YoY
|
76.70%
+0.9% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
23.81%
-10.4% YoY
-3.5% QoQ
|
+1.79% |
22.02%
-1.0% YoY
|
23.71%
-4.5% YoY
|
22.01%
-1.2% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.05%
+104.8% YoY
-4.3% QoQ
|
-0.59% |
0.64%
+19.7% YoY
|
0.52%
-2.0% YoY
|
0.67%
+19.3% YoY
|
78% |
| Tier 1 Capital Ratio ? |
18.94%
+17.2% YoY
+1.5% QoQ
|
+3.11% |
15.83%
+1.5% YoY
|
58.48%
+5.2% YoY
|
17.06%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.57%
+35.4% YoY
-76.7% QoQ
|
+0.29% |
0.28%
+9.3% YoY
|
1.31%
-6.4% YoY
|
0.32%
+4.1% YoY
|
Top 2.7% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (3)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.