# COUNTY BANK
REHOBOTH BEACH, DE · FDIC certificate 33009 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $696.4M | |
| Deposits | $577.8M | |
| Loans and leases | $518.8M | |
| Total equity | $99.8M | |
| Loans / deposits | 88.99% (p69 of band) | 82.04% |
| Liquid assets / assets | 20.66% (p34 of band) | |
| Uninsured deposits / deposits | 16.34% (p16 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.41% (p91 of band) | 10.81% |
| Unrealized securities loss / equity | -9.13% (p46 of band) | -8.10% |
| AOCI / equity | -0.28% (p54 of band) | |
| ROA (annualized) | 3.34% (p98 of band) | 1.28% |
| Net interest margin | 5.34% (p97 of band) | 3.91% |
| Efficiency ratio | 38.02% (p4 of band) | |
| Noncurrent loans | 0.30% (p42 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p63 of band) | |
| Reserve coverage of noncurrent | 298.86% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 89.89% (p82 of band) | |
| Auto loans | $85,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.4% | |
| Employees | 95 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | liquid assets <10% |  |
| 2011-12 | 4 | charge-offs p90 | liquid assets <10% |
| 2012-03 | 4 | deposits shrinking, assets shrinking | losing money, charge-offs p90 |
| 2012-06 | 4 |  |  |
| 2012-09 | 2 |  | deposits shrinking, assets shrinking |
| 2012-12 | 2 |  |  |
| 2013-03 | 5 | losing money, charge-offs p90, assets shrinking |  |
| 2013-06 | 5 | deposits shrinking | losing money |
| 2013-09 | 3 |  | assets shrinking, deposits shrinking |
| 2013-12 | 4 | noncurrent p90 |  |
| 2014-03 | 2 |  | charge-offs p90, noncurrent p90 |
| 2014-06 | 3 | noncurrent p90 |  |
| 2014-09 | 3 | charge-offs p90 | noncurrent p90 |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | charge-offs p90 |
| 2015-06 | 3 | noncurrent p90 |  |
| 2015-09 | 3 | capital falling | noncurrent p90 |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 1 |  | reserve under noncurrent |
| 2016-06 | 2 | charge-offs p90 |  |
| 2016-09 | 1 |  | construction >100% equity |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | capital falling, construction >100% equity |  |
| 2018-03 | 0 |  | capital falling, construction >100% equity |
| 2018-06 | 1 | construction >100% equity |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | construction >100% equity |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 1 | construction >100% equity |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | charge-offs p90, deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 5 | securities losses >30% of equity |  |
| 2023-09 | 6 | assets shrinking |  |
| 2023-12 | 4 |  | securities losses >30% of equity, assets shrinking |
| 2024-03 | 3 |  | deposits shrinking |
| 2024-06 | 1 |  | charge-offs p90, uninsured deposits leaving |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | construction >100% equity |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-11 [Thunstrom joins County Bank as commercial loan officer - Cape Gazette](https://news.google.com/rss/articles/CBMimgFBVV95cUxNZzVFV0JMLXJaX2tVX2NHSGlIdjFuNXB0VTM5MDZocFhpR1NfMTEtcDJMVmc5cm51b0ZZZHhRNDRUZFVVVEVST2xNNU53NEk0RVBLZnhFNEctRUtGNldBNkUwS3N1eEVaZUhCYmlnallyRUxtc3NzQ1NHc0phSlBpa2RsUzllVWZEazlraW9xYzROUFdyQ0FhdXFn?oc=5) · Cape Gazette
- 2026-05-11 [Peoples Bank of Sheridan Celebrates 25 Years as De Novo Bank - Arkansas Business](https://news.google.com/rss/articles/CBMipgFBVV95cUxNdm1vYU1MT1JoWTFzNm13NVV4dFBVcmRqNFhTam43aHpPM21zenhBTUVIRlVEOGlBc0xhUDZmaXdOUUJLVXB1dTZJM1NuOHVmb1VRdHoyM1BDVV85WmgyWncxMTNfWGtwaWFnVGVpY21FUFhOYzI4OVBRdTJUekFzOFRKTVNVSVVfd0RsMjhKY0pzcUVDZ3RQeF93U3BGclpLVmhDaXNR?oc=5) · Arkansas Business
- 2024-04-02 [David Gillan - Delaware Business Times](https://news.google.com/rss/articles/CBMihgFBVV95cUxQQzNWVnVxMl9YN0FHNXNmZTdzeV9PQ1FnOHB1MkVDaHNsZXpiczBmYUtyd3RRTW5xRFFCN1NtT3hBcDdSUnI5eXFMN09oV1RmclBCcTFtT1hzczZocnlOeWVmMVoxRWNRZGFqUWVKLVFXTDNOZk5ZTUhmbHpld2Q0SjRrbEp2QQ?oc=5) · Delaware Business Times
- 2021-07-29 [County Bank announces retirement, new executive team - Milford LIVE!](https://news.google.com/rss/articles/CBMiggFBVV95cUxNX3piUUNBVU1hLWpvS1hpSXRUNWY4MWVFZmk2VTF6dEJMRWJDMF9hck9pcDNDazJGcVFINXJ4WDBGVFhEc19YWTRTRXdxRkZpd2JOVlBTUHZMRThoMlJURGVXWkhOV0t5VkItNUtrNXdQYUNwNktSSVpHOUxTbEtOdVJn?oc=5) · Milford LIVE!
- 2021-06-15 [County Bank announces a new look - Coastal Point](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPWmMtYnc3V0xVRC1ZV2N2WEZUanBlWEI1QWtyRUgta2dMVmZwS1Q4Nkl0dTA1dVE5N3ZrbWtkSHI5WXFTUjlhTUhNRW5iN2JIc29GUmdXU0c4THB0Z3RwdHFHTEZWLTNGMEVJVWFobTYwWExjT2Jrc2hDajlKNTlxYnZvZlBPRGh2VjNwV0txdjl0MUhxZldJVmgwM1JEbTlCVnJvRXQ3bkRaT1BiRjZjU2ljampWM2RhUVBHUGVwVUM2Z28?oc=5) · Coastal Point
- 2024-06-22 [Scott Rukowicz joins County Bank leadership - Cape Gazette](https://news.google.com/rss/articles/CBMijwFBVV95cUxQWEJ2NkdQRTBDZUxkdWhZWm9WczR5bVRRV0oydnh3RWlIS281MTY4NmxscTVhb1gzb0tsSzRodVE1NmxJSG91d1RWNm9FRmw0RXFtMHBhc3ZhN1dlVkVpVTJrbWJ1c3VXSWRfOF9TdFlXazM4YWhKVXJIM24wZTNFRThndVVrNmdKdkZPSTNhVQ?oc=5) · Cape Gazette
- 2025-08-13 [M&T Delaware executive Hutton to take on business banking - Delaware Business Times](https://news.google.com/rss/articles/CBMinAFBVV95cUxOdnM5NzN6SjEtb0dPYzViLVdfa3J4M1NlTkY0aUhBeXZScW5IQUpjaDBDamVTS2tKZTlfa0ZOVXM4SzZGVG9KUGlmS3QwREt4NU5EYzBaTzZEMWhFamZaOHl1OXNlSE1aNFpYeWctRUZpaHd4M0c3bVhnVUZHV040WVMycmFSY1lMcWxFTU5MUTVQRkl0VmRZOW1uMTE?oc=5) · Delaware Business Times
- 2025-05-15 [Cody Bristow joins County Bank leadership - Cape Gazette](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRFhndmtpbDJfb05hcVM2V1gwOFpCM2YxOXlFaTF0UVFkRms1UkNITmdJTklYSy1DNzN2NWJOUkFBUTFON0huU1lBQ0x6N3dJUXVMWHhSRHBCRUt4cDNmQTVBR2tTb0ZvcGVjdThHa0lydHVzemg5TDk3RnU5QUdiNGJRbmFFcFNfTzJJbQ?oc=5) · Cape Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33009 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/49.json (key "33009", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide