# BANK OF DELMARVA
SEAFORD, DE · FDIC certificate 8810 · asset band $300M-1B · latest filing 2023-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $892.3M | |
| Deposits | $788.7M | |
| Loans and leases | $774.3M | |
| Total equity | $97.1M | |
| Loans / deposits | 96.93% (p84 of band) | 79.68% |
| Liquid assets / assets | 9.45% (p3 of band) | |
| Uninsured deposits / deposits | 13.34% (p10 of band) | 24.93% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.06% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.93% (p62 of band) | 10.32% |
| Unrealized securities loss / equity | -11.04% (p75 of band) | -27.41% |
| AOCI / equity | -1.72% (p54 of band) | |
| ROA (annualized) | 1.54% (p77 of band) | 1.05% |
| Net interest margin | 4.66% (p93 of band) | 3.46% |
| Efficiency ratio | 56.09% (p26 of band) | |
| Noncurrent loans | 0.24% (p50 of band) | 0.25% |
| Net charge-offs (annualized) | 0.01% (p54 of band) | |
| Reserve coverage of noncurrent | 523.39% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 81.19% (p68 of band) | |
| Auto loans | $52,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -10.8% | |
| Employees | 150 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

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

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

- 2026-07-02 [Capitol Police, Blood Bank of Delmarva to Host Blood Drive on July 8 - State of Delaware News (.gov)](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPbzlheGVKdE9PVTNJSkF5VzFhWmhkUVRJYzFIcXI5aTFUM21rTTd5eExHbmxxb3dLWHJjZEo4MkNyX2hYeFdzNmRweWlNcHBNTDF1ODhGbEM1Q1BOaG52UUxTWnZCSzN0N0pGUWx1U0lINFIzUFZmNk1MM1d1NHliUk5zbjIyV2RQdmt5X1luR1JDSXZadjdiZXdoeUNOcXpZTTFkX1NZT3Q?oc=5) · State of Delaware News (.gov)
- 2026-07-02 [Capitol Police, Blood Bank of Delmarva to Host Blood Drive on July 8 - Milford LIVE!](https://news.google.com/rss/articles/CBMilwFBVV95cUxOSi0zR051b1BTWFZqcHl0bmhUMUVyd3FwOUVObXF0d1Nyb1dUYU5Cb1pzelB5R2xGYVhqQ2RNV1RSWXRGNl9PWUllNExnZGloWnF1RVhMc25ZZ3ZWOFNpRTYzRF9zWXlySG5lWnpEb3hGdWRhcHRONGp5N0FtQnBCeTF0UjgwaUl3aFlVaTh0WUhhQlpWSy1F?oc=5) · Milford LIVE!
- 2026-07-06 [Capitol Police, Blood Bank of Delmarva to host blood drive on July 8 - Coastal Point](https://news.google.com/rss/articles/CBMi7AFBVV95cUxOekxCQlYySy1NMmZtcVYwd0ROQWt3MVZEb3U2ODlFTkNJc1Y1N1NQZUkwLWl2cDdwdHpvRURYU0JTcGxKN2pVb3I3VTRVUDVlQXJZQkZMTktJeUxjemhOdS1tN3c4aXl0azIxZnhweFRvQ19pU0NMMkowR2pBenhCc2RCaTdXR3F4ZlFDU3UxTVNjelp4Y1hUTFhKVk9sWlRxWHVLaEhEYXF1NVF5Q0lTZmtnMWxwbm9IZVBMa3FMZ3FPWG5aNU9ZSENOOWtpMDlldXBfZ1JzQ1ZhVGtxbmFIWFpGQVF4elp4TkJUVQ?oc=5) · Coastal Point
- 2026-01-07 [Blood Bank of Delmarva calls for donations during winter dip - WBOC TV](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPZ2hhNndVZVJCbFNEX2gxUFAzOGpNQnFTMklISU5aZjJoM29Jd1FaQTZTN0RIZDVYOFJaZGRfZFVOUGplUjVfMi1FZzNETDRNSGptaFZMRURJM2ZQOU54M01wOFF4Sl9LWl9sUDhLRjVBVnlqbTlaUWIxQUxxMVVjQ0NVYWVjc1VXdHY4cXQxWVFQSGRZNlRtd19QVHJZeUV2LVB0RlIzdTFQSXRBVDFZYzJZNHZOSFh2UTlQZklzYlliX01FTHhCdkM0VWJ2NzhPQmc?oc=5) · WBOC TV
- 2023-12-06 [LinkBank replaces Bank of Delmarva near Acme - Cape Gazette](https://news.google.com/rss/articles/CBMijAFBVV95cUxPQ0xNRUFfU1ZXQ01aZzBwYjZsVXhxQXZPUTVsdzFqN1JWQTZndWI5cmhZOFNxcmJ5emJFM3VIajJaZ2xDRnI3UTZTZS1FR2RDWVAzeTg3Rk03T00wNUw3d0VGZ205QThzeTlBYUo3QzY2R3ctRW1iazAyMHp4T2hVSDh0bl9mRkxyeFhVLQ?oc=5) · Cape Gazette
- 2020-05-31 [Out-of-state plasma donations gives boost to Blood Bank of Delmarva - Delaware Public Media](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPUlZlU0xRWEdCODJ4emVYRzRkRFFrdnlzYlpXLXBHZF9xekh2bm5KOEJkaEZqWVoxVW93QTNLMUJwSEZGSjlTMURIWmNYRkU4SjJ3V1NPeHR3V3FTUlF4VFM2S3pIbjlaVVh1RjZYRWFpYWlqY1VsU2JjbGQ2Mk5WS0dqVWpUSGdVNXU1YUhseTJjNnVrcmRTT1RZanNmaDM0ZTRpRkhKUzZGZ2VqeHhlREtjbVhpXzExSDBkZGtGaTI1ZUlLbXZleA?oc=5) · Delaware Public Media
- 2025-01-18 [Robert L. Travis - Spicer-Mullikin Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMiVkFVX3lxTFBjYmtaclM4ZGZ5RnZzOC02am1ZeWJCTTJNRnZPREU5WWdGczJUQjlxSk52ZlEwMTl4bmh6c2dURHF6cURuY1UwT01xUkhNOW5xYnZHYzZR?oc=5) · Spicer-Mullikin Funeral Homes &amp; Crematory
- 2024-08-10 [Delaware Valley blood banks are asking people to roll up their sleeves amid national shortage in donations - WHYY](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPM3JlZHNwV0dIUThFOWhkQUxHYU5vNnlUcG9laTFMTlB5R3poT1RUZUFKN1gxOXU2NUREeVhIQnZKRmZVUlVfSU5odFBRaDhLbjhpV2xYZHl3b2xLSEpkNWY3Rld3YjM1MTBmdGRpTE44THB1NEVyOHpwR0h1aUd5MzRGY1UtdUtF?oc=5) · WHYY

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8810 (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/42.json (key "8810", 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