BlastPoint's Banking Scorecard
County Bank
Community
Specialty: Commercial
DE
FDIC cert 33009
Rehoboth Beach, DE
1484
banks in Community tier nationally
3 in DE
View Community leaderboard (DE) →
County Bank has 6 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 1% in Community
- + Revenue Diversifier: Top 2% in Community
- + Credit Quality Leader: Top 24% in Community
- + Net Interest Margin 1.69% above tier
- + Efficiency Ratio 26.81% below tier
- + Tier 1 Capital Ratio 8.42% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5% in Community
- - Liquidity Overhang: Bottom 32% in Community
- - Credit Risk Growth: Bottom 43% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$665.5M
+10.1% YoY
+1.3% QoQ
|
-$726.0M |
$1.4B
+2.0% YoY
|
$70.8B
-0.9% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$483.3M
+10.0% YoY
-0.2% QoQ
|
-$492.1M |
$975.5M
+2.4% YoY
|
$38.1B
+1.1% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$553.4M
+6.8% YoY
+0.1% QoQ
|
-$611.2M |
$1.2B
+1.7% YoY
|
$56.7B
+1.4% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
3.50%
+68.7% YoY
+7.9% QoQ
|
+2.33% |
1.16%
+17.2% YoY
|
2.49%
+4.3% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.35%
+16.7% YoY
+1.9% QoQ
|
+1.69% |
3.66%
+9.1% YoY
|
4.25%
-12.2% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
35.82%
-25.3% YoY
-3.2% QoQ
|
-26.81% |
62.63%
-5.3% YoY
|
56.99%
-1.1% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.07%
+48.1% YoY
+4.5% QoQ
|
-0.56% |
0.63%
+18.3% YoY
|
1.71%
-0.6% YoY
|
0.66%
+20.3% YoY
|
Top 14% in tier |
| Loan-to-Deposit Ratio ? |
87.35%
+3.1% YoY
-0.3% QoQ
|
+4.28% |
83.06%
+0.3% YoY
|
76.04%
+10.2% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
24.67%
-7.4% YoY
-9.9% QoQ
|
+3.63% |
21.05%
-0.9% YoY
|
24.33%
-1.0% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.05%
+48.0% YoY
+2.9% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.35%
-1.4% YoY
|
0.48%
+20.8% YoY
|
Top 13% in tier |
| Tier 1 Capital Ratio ? |
18.66%
+15.1% YoY
+6.5% QoQ
|
+8.42% |
10.24%
-0.6% YoY
|
13.96%
+2.6% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
2.43%
+106.6% YoY
+40.4% QoQ
|
+1.69% |
0.74%
-1.3% YoY
|
2.13%
+17.1% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (6)
Profitability Leader
growth
#4 of 371 · Top 1% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
3.50%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Revenue Diversifier
growth
#10 of 371 · Top 2% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.43%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
3.50%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Credit Quality Leader
growth
#90 of 371 · Top 24% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.07%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Top 3%
in Community
Why this stands out
Current:
5.35%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 3%
in Community
Why this stands out
Current:
35.82%
(Tier avg: 62.63%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 9%
in Community
Why this stands out
Current:
18.66%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Credit Quality Pressure
risk
#38 of 808 · Bottom 5% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.07%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Liquidity Overhang
risk
#87 of 268 · Bottom 32% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
18.66%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
87.35%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#277 of 642 · Bottom 43% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Return on Assets
Current: 3.50% · Tier avg: 1.16%
97
97th pctile
Efficiency Ratio
Current: 35.82% · Tier avg: 62.63%
97
97th pctile
Net Interest Margin
Current: 5.35% · Tier avg: 3.66%
96
96th pctile
Non-Interest Income / Assets
Current: 2.43% · Tier avg: 0.74%
91
91th pctile
Tier 1 Capital Ratio
Current: 18.66% · Tier avg: 10.24%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
86
86th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.67% · Tier avg: 21.05%
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.35% · Tier avg: 83.06%
28
28th pctile
Total Loans
Current: $483.3M · Tier avg: $975.5M
24
24th pctile
Total Assets
Current: $665.5M · Tier avg: $1.4B
21
21th pctile
Total Deposits
Current: $553.4M · Tier avg: $1.2B
Top Weaknesses
21
21th pctile
Total Deposits
Current: $553.4M · Tier avg: $1.2B
24
24th pctile
Total Assets
Current: $665.5M · Tier avg: $1.4B
28
28th pctile
Total Loans
Current: $483.3M · Tier avg: $975.5M
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.35% · Tier avg: 83.06%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.67% · Tier avg: 21.05%
86
86th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
91
91th pctile
Tier 1 Capital Ratio
Current: 18.66% · Tier avg: 10.24%
96
96th pctile
Non-Interest Income / Assets
Current: 2.43% · Tier avg: 0.74%
97
97th pctile
Net Interest Margin
Current: 5.35% · Tier avg: 3.66%
97
97th pctile
Efficiency Ratio
Current: 35.82% · Tier avg: 62.63%
99
99th pctile
Return on Assets
Current: 3.50% · Tier avg: 1.16%