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County Bank

$100M-$1B Specialty: Commercial DE FDIC cert 33009

Rehoboth Beach, DE

7 branches across DE

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 8 in DE.
  • Deposits +7.4% year over year ($577.8M on the books).
  • Delinquency rate 0.31%.
  • Return on assets 3.34%.
  • Efficiency ratio 38.02% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.99% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 8 in DE
View $100M-$1B leaderboard (DE) →

County Bank has 5 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 2.4% in tier
  • + Profitability Leader: Top 13.9% in tier
  • + Net Interest Margin 1.36% above tier average
  • + Efficiency Ratio 26.46% below tier average
  • + Delinquency Rate 0.61% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 29.1% in tier
  • - Credit Quality Pressure: Bottom 35.2% in tier
Get updates when County Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Total Assets ? $696.4M
+9.1% YoY +1.7% QoQ
+$309.8M $386.6M
+1.2% YoY
$72.9B
+3.7% YoY
$6.3B
+7.7% YoY
Top 12.5% in tier
Total Loans ? $514.1M
+10.5% YoY +2.6% QoQ
+$255.8M $258.3M
+1.7% YoY
$40.0B
+6.7% YoY
$3.2B
+9.4% YoY
Top 10.3% in tier
Total Deposits ? $577.8M
+7.4% YoY +1.7% QoQ
+$251.0M $326.7M
+0.7% YoY
$56.7B
+1.8% YoY
$4.9B
+7.3% YoY
Top 13.8% in tier
Return on Assets ? 3.34%
+13.4% YoY +0.8% QoQ
+2.02% 1.32%
+10.8% YoY
2.36%
-9.5% YoY
1.30%
+12.1% YoY
Top 1.3% in tier
Net Interest Margin ? 5.34%
+6.7% YoY +0.3% QoQ
+1.36% 3.99%
+5.0% YoY
5.72%
+0.9% YoY
3.95%
+4.9% YoY
Top 4.1% in tier
Efficiency Ratio ? 38.02%
-3.7% YoY -1.4% QoQ
-26.46% 64.48%
-3.2% YoY
53.04%
-0.1% YoY
70.05%
+2.5% YoY
Top 2.6% in tier
Delinquency Rate ? 0.31%
+309.3% YoY +387.2% QoQ
-0.61% 0.92%
+15.7% YoY
1.76%
+6.5% YoY
0.98%
+16.3% YoY
57%
Loan-to-Deposit Ratio ? 88.99%
+2.9% YoY +0.8% QoQ
+11.03% 77.95%
+1.0% YoY
80.57%
-7.4% YoY
79.03%
+2.3% YoY
28%
Non-Interest-Bearing Deposit Share ? 26.49%
+0.6% YoY +11.3% QoQ
+4.46% 22.03%
-0.6% YoY
23.77%
-3.1% YoY
21.98%
-0.6% YoY
72%
Nonperforming Asset Ratio ? 0.23%
+314.8% YoY +391.4% QoQ
-0.44% 0.67%
+16.4% YoY
0.52%
+1.1% YoY
0.69%
+15.8% YoY
58%
Tier 1 Capital Ratio ? 18.96%
+10.9% YoY +0.1% QoQ
+3.05% 15.91%
+1.4% YoY
57.87%
+0.5% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 1.18%
+16.0% YoY +108.2% QoQ
+0.61% 0.57%
+7.6% YoY
2.79%
+1.3% YoY
0.66%
+5.2% YoY
Top 2.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Noninterest-Bearing 26.5%
+0.2pp YoY
+2.7pp QoQ
 +4.3pp 22.1% 27.2% 22.2% 71%
Brokered Deposits n/a n/a 7.9% 18.6% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
C&I 7.2%
0.0pp YoY
-0.6pp QoQ
 -4.3pp 11.6% 8.9% 12.5% 34%
CRE 63.6%
+2.0pp YoY
+1.8pp QoQ
 +24.1pp 39.5% 35.2% 41.4% 88%
1-4 Family 14.4%
+0.4pp YoY
+0.2pp QoQ
 -18.2pp 32.6% 36.6% 31.3% 18%
Consumer 13.9%
-1.9pp YoY
-1.2pp QoQ
 +9.8pp 4.1% 37.2% 5.0% 95%

Capital

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
CET1 Ratio 19.0%
+1.9pp YoY
0.0pp QoQ
 +0.1pp 18.8% 52.4% 19.7% 74%
Leverage Ratio 15.4%
+1.8pp YoY
+0.1pp QoQ
 +3.2pp 12.2% 28.0% 12.6% 89%
Total Capital Ratio 19.8%
+1.9pp YoY
0.0pp QoQ
 -0.1pp 19.9% 53.4% 20.8% 73%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Full-Time Employees 95
0 YoY
+6 (+6.7%) QoQ
 +36 58 6,324 482 85%
Assets per Employee ($) $7.3M
+9.1% YoY
-4.7% QoQ
 -$188K $7.5M $17.7M $8.8M 58%
Branch Count 7
0 YoY
0 QoQ
 +2 4 249 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.9% 0.4% 37%
Nonaccrual 0.3%
+0.2pp YoY
+0.2pp QoQ
 -0.7pp 0.9% 1.3% 1.0% 35%
Allowance Coverage 2.99x
-74.8% YoY
-78.9% QoQ
 -21.16x 24.15x 2.44x 20.23x 58%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 1.5% 0.2% 56%

Profitability

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
ROE 23.6%
-1.8pp YoY
0.0pp QoQ
 +11.4pp 12.2% 13.0% 11.6% 95%
Cost of Funds (YTD) 1.2%
0.0pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.7% 1.7% 17%
Net Income ($, YTD) $11.4M
+22.2% YoY
— QoQ
 +$8.8M $2.6M $432.8M $40.4M 99%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#17 of 661 • Top 2.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.18%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 3.34%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Profitability Leader

growth
#93 of 661 • Top 13.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 3.34%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Liquidity Overhang

risk
#217 of 742 • Bottom 29.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.96%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 88.99%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#443 of 1256 • Bottom 35.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.31%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (8 metrics)

35
Return on Assets
profitability
Value: 3.34%
Peer Median: 1.32%
#35 of 2643 Top 1.3% in $100M-$1B
70
Efficiency Ratio
profitability
Value: 38.02%
Peer Median: 64.48%
#70 of 2643 Top 2.6% in $100M-$1B
74
Non-Interest Income / Assets
revenue_mix
Value: 1.18%
Peer Median: 0.57%
#74 of 2643 Top 2.8% in $100M-$1B
110
Net Interest Margin
profitability
Value: 5.34%
Peer Median: 3.99%
#110 of 2643 Top 4.1% in $100M-$1B
272
Total Loans
size
Value: $514.12M
Peer Median: $258.35M
#272 of 2643 Top 10.3% in $100M-$1B
331
Total Assets
size
Value: $696.40M
Peer Median: $386.57M
#331 of 2643 Top 12.5% in $100M-$1B
366
Total Deposits
size
Value: $577.75M
Peer Median: $326.73M
#366 of 2643 Top 13.8% in $100M-$1B
430
Tier 1 Capital Ratio
capital
Value: 18.96%
Peer Median: 15.91%
#430 of 2643 Top 16.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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