BlastPoint's Banking Scorecard
Community Bank Delaware
Lewes, DE
4 branches across DE
Community Bank Delaware has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 19.3% in tier
- - Credit Quality Pressure: Bottom 31.1% in tier
- - Liquidity Strain: Bottom 40.9% in tier
- - ROA 0.74% below tier average
- - Net Interest Margin 0.85% below tier average
- - Efficiency Ratio 10.64% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$419.6M
+5.9% YoY
-2.5% QoQ
|
+$33.5M |
$386.1M
+0.5% YoY
|
$70.8B
+0.0% YoY
|
$6.2B
+9.1% YoY
|
64% |
| Total Loans ? |
$352.1M
+4.2% YoY
+0.6% QoQ
|
+$96.4M |
$255.7M
+1.1% YoY
|
$38.8B
+4.8% YoY
|
$3.2B
+10.8% YoY
|
75% |
| Total Deposits ? |
$357.3M
+13.5% YoY
-1.6% QoQ
|
+$29.3M |
$328.0M
+0.1% YoY
|
$56.2B
+0.9% YoY
|
$4.8B
+8.2% YoY
|
64% |
| Return on Assets ? |
0.52%
+12.0% YoY
+2.5% QoQ
|
-0.74% |
1.27%
+12.9% YoY
|
2.25%
-5.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 13.7% in tier |
| Net Interest Margin ? |
3.08%
+11.0% YoY
+4.2% QoQ
|
-0.85% |
3.93%
+6.0% YoY
|
5.71%
+1.4% YoY
|
3.89%
+5.7% YoY
|
Bottom 13.6% in tier |
| Efficiency Ratio ? |
75.93%
-0.5% YoY
-0.1% QoQ
|
+10.64% |
65.29%
-4.5% YoY
|
53.58%
-1.6% YoY
|
66.95%
-4.1% YoY
|
21% |
| Delinquency Rate ? |
0.25%
+539.1% YoY
-4.1% QoQ
|
-0.64% |
0.89%
+18.8% YoY
|
1.76%
+0.3% YoY
|
0.95%
+18.8% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
98.56%
-8.2% YoY
+2.3% QoQ
|
+21.92% |
76.64%
+0.8% YoY
|
82.81%
-6.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 10.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.56%
-5.0% YoY
-5.3% QoQ
|
-7.46% |
22.02%
-1.0% YoY
|
23.71%
-4.5% YoY
|
22.01%
-1.2% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.21%
+529.3% YoY
-1.1% QoQ
|
-0.43% |
0.64%
+19.7% YoY
|
0.52%
-2.0% YoY
|
0.67%
+19.3% YoY
|
58% |
| Tier 1 Capital Ratio ? |
12.16%
+6.6% YoY
+0.1% QoQ
|
-3.67% |
15.83%
+1.5% YoY
|
58.48%
+5.2% YoY
|
17.06%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.04%
-11.6% YoY
-77.0% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
1.31%
-6.4% YoY
|
0.32%
+4.1% YoY
|
15% |
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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 (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.