BlastPoint's Banking Scorecard

Community Bank Delaware

$100M-$1B Specialty: Commercial DE FDIC cert 58311

Lewes, DE

4 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 +8.4% year over year ($373.2M on the books).
Delinquency rate 0.24%.
Return on assets 0.52%.
Efficiency ratio 75.70% vs a 64.48% peer average.
Loan-to-deposit ratio 96.57% 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) →

Community Bank Delaware has 1 strength but faces 6 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

+ Delinquency Rate 0.67% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 25.8% in tier
- Credit Quality Pressure: Bottom 33.4% in tier
- Liquidity Strain: Bottom 38.6% in tier
- ROA 0.81% below tier average
- Net Interest Margin 0.89% below tier average
- Efficiency Ratio 11.22% above tier average

Get updates when Community Bank Delaware releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Total Assets ?	$443.6M +4.3% YoY +5.7% QoQ	+$57.0M	$386.6M +1.2% YoY	$72.9B +3.7% YoY	$6.3B +7.7% YoY	66%
Total Loans ?	$360.4M +4.9% YoY +2.4% QoQ	+$102.1M	$258.3M +1.7% YoY	$40.0B +6.7% YoY	$3.2B +9.4% YoY	75%
Total Deposits ?	$373.2M +8.4% YoY +4.5% QoQ	+$46.5M	$326.7M +0.7% YoY	$56.7B +1.8% YoY	$4.9B +7.3% YoY	66%
Return on Assets ?	0.52% +17.8% YoY -1.4% QoQ	-0.81%	1.32% +10.8% YoY	2.36% -9.5% YoY	1.30% +12.1% YoY	Bottom 12.8% in tier
Net Interest Margin ?	3.09% +10.4% YoY +0.5% QoQ	-0.89%	3.99% +5.0% YoY	5.72% +0.9% YoY	3.95% +4.9% YoY	Bottom 12.4% in tier
Efficiency Ratio ?	75.70% -2.8% YoY -0.3% QoQ	+11.22%	64.48% -3.2% YoY	53.04% -0.1% YoY	70.05% +2.5% YoY	19%
Delinquency Rate ?	0.24% -2.6% QoQ	-0.67%	0.92% +15.7% YoY	1.76% +6.5% YoY	0.98% +16.3% YoY	62%
Loan-to-Deposit Ratio ?	96.57% -3.3% YoY -2.0% QoQ	+18.61%	77.95% +1.0% YoY	80.57% -7.4% YoY	79.03% +2.3% YoY	Bottom 14.2% in tier
Non-Interest-Bearing Deposit Share ?	18.05% +3.9% YoY +24.0% QoQ	-3.98%	22.03% -0.6% YoY	23.77% -3.1% YoY	21.98% -0.6% YoY	37%
Nonperforming Asset Ratio ?	0.20% -5.7% QoQ	-0.47%	0.67% +16.4% YoY	0.52% +1.1% YoY	0.69% +15.8% YoY	61%
Tier 1 Capital Ratio ?	11.88% -0.3% YoY -2.3% QoQ	-4.02%	15.91% +1.4% YoY	57.87% +0.5% YoY	17.09% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.09% -0.0% YoY +111.2% QoQ	-0.48%	0.57% +7.6% YoY	2.79% +1.3% YoY	0.66% +5.2% YoY	15%

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	18.1% +0.7pp YoY +3.5pp QoQ	-4.1pp	22.1%	27.2%	22.2%	36%
Brokered Deposits	8.0% -0.2pp YoY -2.1pp QoQ	+0.2pp	7.9%	18.6%	8.5%	69%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
C&I	2.4% 0.0pp YoY -0.2pp QoQ	-9.2pp	11.6%	8.9%	12.5%	8%
CRE	37.3% -1.2pp YoY +0.7pp QoQ	-2.2pp	39.5%	35.2%	41.4%	48%
1-4 Family	58.3% -0.1pp YoY -1.4pp QoQ	+25.7pp	32.6%	36.6%	31.3%	88%
Consumer	0.3% +0.2pp YoY 0.0pp QoQ	-3.8pp	4.1%	37.2%	5.0%	11%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
CET1 Ratio	11.9% 0.0pp YoY -0.3pp QoQ	-6.9pp	18.8%	52.4%	19.7%	16%
Leverage Ratio	8.6% +0.1pp YoY 0.0pp QoQ	-3.6pp	12.2%	28.0%	12.6%	7%
Total Capital Ratio	13.0% 0.0pp YoY -0.3pp QoQ	-7.0pp	19.9%	53.4%	20.8%	16%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Full-Time Employees	48 +2 (+4.3%) YoY +1 (+2.1%) QoQ	-11	58	6,324	482	50%
Assets per Employee ($)	$9.2M -0.1% YoY +3.5% QoQ	+$1.7M	$7.5M	$17.7M	$8.8M	81%
Branch Count	4 +1 (+33.3%) YoY 0 QoQ	-1	4	249	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.9%	0.4%	n/a
Nonaccrual	0.2% +0.2pp YoY 0.0pp QoQ	-0.7pp	0.9%	1.3%	1.0%	33%
Allowance Coverage	3.75x -92.0% YoY +2.8% QoQ	-20.40x	24.15x	2.44x	20.23x	63%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY	-0.1pp	0.1%	1.5%	0.2%	28%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
ROE	6.6% +0.8pp YoY 0.0pp QoQ	-5.6pp	12.2%	13.0%	11.6%	19%
Cost of Funds (YTD)	2.5% -0.2pp YoY 0.0pp QoQ	+0.7pp	1.7%	1.7%	1.7%	89%
Net Income ($, YTD)	$1.1M +25.6% YoY — QoQ	-$1.4M	$2.6M	$432.8M	$40.4M	30%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk

#242 of 936 • Bottom 25.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#420 of 1256 • Bottom 33.4% in tier

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

Why this signature

Delinquency Rate: 0.24%

(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

Liquidity Strain

risk

#268 of 691 • Bottom 38.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.57%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

658

Total Loans

size

Value: $360.43M

Peer Median: $258.35M

#658 of 2643 Top 24.9% in $100M-$1B

Top Weaknesses (5 metrics)

2315

Net Interest Margin

profitability

Value: 3.09%

Peer Median: 3.99%

#2315 of 2643 Bottom 12.4% in $100M-$1B

2307

Return on Assets

profitability

Value: 0.52%

Peer Median: 1.32%

#2307 of 2643 Bottom 12.8% in $100M-$1B

2270

Loan-to-Deposit Ratio

liquidity

Value: 96.57%

Peer Median: 77.95%

#2270 of 2643 Bottom 14.2% in $100M-$1B

2240

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.57%

#2240 of 2643 Bottom 15.3% in $100M-$1B

2133

Efficiency Ratio

profitability

Value: 75.70%

Peer Median: 64.48%

#2133 of 2643 Bottom 19.3% in $100M-$1B