# COMMUNITY BANK DELAWARE
LEWES, DE · FDIC certificate 58311 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $443.6M | |
| Deposits | $373.2M | |
| Loans and leases | $363.7M | |
| Total equity | $34.1M | |
| Loans / deposits | 96.57% (p84 of band) | 82.04% |
| Liquid assets / assets | 11.59% (p8 of band) | |
| Uninsured deposits / deposits | 18.69% (p24 of band) | 25.97% |
| Brokered deposits | 6.77% | |
| Wholesale funding | 12.91% (p84 of band) | |
| FHLB advances / assets | 6.15% | |
| Tier 1 leverage | 8.58% (p7 of band) | 10.81% |
| Unrealized securities loss / equity | -8.58% (p48 of band) | -8.10% |
| AOCI / equity | -0.20% (p59 of band) | |
| ROA (annualized) | 0.52% (p12 of band) | 1.28% |
| Net interest margin | 3.09% (p12 of band) | 3.91% |
| Efficiency ratio | 75.70% (p83 of band) | |
| Noncurrent loans | 0.24% (p36 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p23 of band) | |
| Reserve coverage of noncurrent | 375.08% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 71.61% (p73 of band) | |
| Auto loans | $288,000 (0.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.4% | |
| Employees | 48 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 2 | loans exceed deposits |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | deposits shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2013-12 | 2 |  | uninsured deposits leaving |
| 2014-03 | 1 |  | deposits shrinking |
| 2014-06 | 3 | capital falling, reserve under noncurrent |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 |  | reserve under noncurrent |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | liquid assets <10% |  |
| 2016-12 | 2 | capital falling | liquid assets <10% |
| 2017-03 | 2 | liquid assets <10% | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | wholesale funding >15% |  |
| 2018-03 | 5 | capital falling, uninsured deposits leaving |  |
| 2018-06 | 5 | construction >100% equity | uninsured deposits leaving |
| 2018-09 | 4 |  | capital falling |
| 2018-12 | 3 |  | construction >100% equity |
| 2019-03 | 3 | capital falling | wholesale funding >15% |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | capital falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | liquid assets <10% |
| 2020-06 | 0 |  | loans exceed deposits |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 | loans exceed deposits | capital falling |
| 2021-03 | 0 |  | loans exceed deposits |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 1 | construction >100% equity |  |
| 2022-06 | 0 |  | construction >100% equity |
| 2022-09 | 2 | capital falling, construction >100% equity |  |
| 2022-12 | 1 | liquid assets <10% | capital falling, construction >100% equity |
| 2023-03 | 0 |  | liquid assets <10% |
| 2023-06 | 1 | liquid assets <10% |  |
| 2023-09 | 3 | loans exceed deposits, uninsured deposits leaving |  |
| 2023-12 | 4 | capital falling |  |
| 2024-03 | 4 | wholesale funding >15% | uninsured deposits leaving |
| 2024-06 | 3 |  | wholesale funding >15% |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | wholesale funding >15% |  |
| 2025-06 | 1 |  | liquid assets <10%, loans exceed deposits, capital falling |
| 2025-09 | 0 |  | wholesale funding >15% |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | liquid assets <10% |  |
| 2026-06 | 0 |  | liquid assets <10% |

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

- 2026-07-25 [Community Bank Delaware supports Lewes Fire Department's Business Bucket Brigade - CoastTV](https://news.google.com/rss/articles/CBMi7wFBVV95cUxPRWk2eV9ZWUZMMUJ3Zzg1NG9NWjBxMGhGQVpzcXp2cFg2QXFuSXJ3QVdMZkU3ekRhTi1ldldKcWhYQ0VUOWRlSXZNcjl3Y2pjaTRIZlhwVTZBdk9MLTZCMkRRNlNEOXJETGRmV2FEMDdnUVV1SndzcVZMVkR1bUtpNTVWaDZGLUZPbUFiUkplNmRWdk4xMEJpeFdkbnJZMTVaTVlHR2hEV25odG1IaEI1RlBPZ2dvM2ltcWdKNl9PSjNKUUNHQWRQOHA0ek55Y2dKSFpFRDBSR1JlRG5kV0hwNGpaZHlOdjV5NE1KS1VaZw?oc=5) · CoastTV
- 2025-07-24 [Community Bank Delaware opens Long Neck branch - Cape Gazette](https://news.google.com/rss/articles/CBMikwFBVV95cUxQTmdCb1lPVlNuVnRfNWZyTF9kaTVwclFYWkRxS2RTSU5obHQtN24zS1ZsYVJOMkw3NkwxTVpVUU94VHd3Wko0Y2pEOVRuOUh0MnlQeUFqYzdoMDMtZTN3YzAzQng2QmRoeDE2dFdZMmFSZnJIY0FTaTdSdDVmWkI4bFFnd2pOeGtzOWljd2dhTU1Kdjg?oc=5) · Cape Gazette
- 2025-06-13 [Community Bank welcomes Pam McCutcheon to Rehoboth - Cape Gazette](https://news.google.com/rss/articles/CBMilAFBVV95cUxNUGlfUFNHdjIwMmRXTU55dHRHUXJkWGhlYzFNcEUwUUh5VFdDV21hNThoS2g2bzdoNkQxYW5TRmxydFhvYUppcDgyd084QnBneDVEc3g3SGNEWE0zS2Z2cHVXNWRJMkpMc0V0UGp2cnBCczlYTzhTaVgwcXBGZzZjVHRkVzNhOTk0Ymh3VkRKbDdPRmZ4?oc=5) · Cape Gazette
- 2025-05-20 [Community Bank opens new branch in Seaford’s Nylon Center - Cape Gazette](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOOWVRbEhIdkNMUWt2dnAxTzBpeW9wc19HTzJ6NFhpeTNPRi1fdFNNeTlGZldrYk5EMmFkUk5YVDdSZmM3X3UzdFkxbFJ5dm4wbXhFY3F6eHdiY1pEYzJ5aThPY0JYLXpKcjVPWlB4OHNZLWRxRDVtaWJTWXRUUURRdmN5NVV6U2djX1FRSDdqcFR5R0QzTC00RU5VMDlXUGlWRlNPdEs3TU4?oc=5) · Cape Gazette
- 2025-07-18 [Community Bank welcomes new Rehoboth branch manager - Cape Gazette](https://news.google.com/rss/articles/CBMimgFBVV95cUxNU2xya1hONGVFUVpSeWhqZm5URHdWMjBFcDJUbDdHSzVmc3I3a1ZsUHRZM0xGMnMyeXJ5bTVOR3ZINm5raHlQa1VXUG5ua2xpckcyRURJb252Umdvd2xKdWEzY2VETGNENWVMcXZ4WXUxZjRKZGxWbEdBTXA3X1RRV0Q5YXlzaVZTTTVTbUZNWjFBNXZSWGpVWUtR?oc=5) · Cape Gazette
- 2024-06-09 [Community Bank Delaware celebrates 18th anniversary - Cape Gazette](https://news.google.com/rss/articles/CBMimgFBVV95cUxQRWpyZm9vaklVaF9mRER4NkhTM0k4ZEY3b2Jud3hBeTJpS0lNZU1sZF9tcFZvVThyRE40SDhnZmFvQ1RBWHIybVRoeHVQdW82cnpBWndWOGRCX2dIX0owR2gxYXY4ejF0cVltWm4zT3E4elZQbURXX0w2cGJydWdYZVNFcUhmYUFWLXBuYTE3Y0RsQnZESVZRNHNn?oc=5) · Cape Gazette
- 2025-06-25 [Christian Hudson joins Community Bank Delaware board - Cape Gazette](https://news.google.com/rss/articles/CBMimwFBVV95cUxOMUVzNFlqMWZST195cmo5M0cxNDI0ODVyOUgwUTh2cEp5TERjYkF4UVRXRHFzOERNVkhsODZZVTFhU1dfYTRWNWVOcGJ6dll6TUtIUFYwUUpOdDRsd3hsc2N4OTFKVnRoMFV2NDNjUFY2aXdWXzJ5a19DRzc1VEhTT3FHSVFoWDN6dGFxdklFX2ZrQzNJTnpKMzdKSQ?oc=5) · Cape Gazette
- 2022-08-28 [Shannon McGinn attains senior VP position at Community Bank Delaware - Cape Gazette](https://news.google.com/rss/articles/CBMirAFBVV95cUxOZktUSWI4WHN6ZjlZT1JNTmU5ZS1odHFreTRxSk9DOGJFX2pERkdCamNNNlltc010NlltTmtlWUdlb2VzUTBuMkFwUk16M2V2LXYzaG9rZ2k5UV9NU3A2YzlQeU1vVUxudlVpR0NXSU9sbEJMMlpQN0U2ZkVuTklXRU81Z0tPajAxZ3ZSX0FzazRXM2IydVd6TVJBNlUwdEFwQmVHZ0c5cXNDUGVH?oc=5) · Cape Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58311 (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/7.json (key "58311", 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