Community Bank Delaware

16982 Kings Highway
Lewes, DE 19958

Notable Rates APY Vs.Others
Savings 0.10% 2.20% →
1-Year CD 1.20% 2.20% →
2-Year CD 1.46% 2.20% →
5-Year CD 1.46% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Community Bank Delaware is an FDIC insured institution located in Lewes, DE. It was founded in 2006 and has approximately $0.2 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 58311
Date Established 2006
Assets $0.20 billion
Loans $0.17 billion
Deposits $0.16 billion
Capital $0.02 billion

For a more detailed analysis of Community Bank Delaware's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 18, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $2,500 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.20% $500 - Learn MoreShow Less
6 Mo CD
0.40% $500 - Learn MoreShow Less
12 Mo CD
1.20% $500 - Learn MoreShow Less
18 Mo CD
0.85% $500 - Learn MoreShow Less
24 Mo CD
1.46% $500 - Learn MoreShow Less
30 Mo CD
1.71% $500 - Learn MoreShow Less
36 Mo CD
1.51% $500 - Learn MoreShow Less
48 Mo CD
1.36% $500 - Learn MoreShow Less
60 Mo CD
1.46% $500 - Learn MoreShow Less

Fixed IRA
1.20% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $200 - Learn MoreShow Less

Loan Rates - February 18, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Community Bank Delaware

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.375% 3.375% 0.00 ($122) $1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Community Bank Delaware
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Community Bank Delaware branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Community Bank Delaware Locations

Financial Details

Community Bank Delaware Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community Bank Delaware. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Community Bank Delaware U.S. Bank Average
2.11% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, Community Bank Delaware had $469,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $20,282,000 in equity and $1,958,000 in loans loss reserves. That gives it a Texas Ratio of 2.11%.

Return on Equity
Community Bank Delaware U.S. Bank Average
6.4% 9.72%

Community Bank Delaware has a Return on Equity of 6.4% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Community Bank Delaware U.S. Bank Average
10% 12.89%

Community Bank Delaware has a Capitalization of 10% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Community Bank Delaware Balance Sheet Analysis

As of September 30, 2019, Community Bank Delaware had assets of $202,775,000, loans of $174,407,000, and deposits of $160,665,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.17 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.18 billion
Total deposits $0.16 billion
      Interest-bearing deposits $0.13 billion
      Deposits held in domestic offices $0.16 billion
      % insured (estimated) 85.57%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.18 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $-0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Community Bank Delaware’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks, Community Bank Delaware’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 49.61
Credit Card Loans 0.00
Consumer Auto Loans 0.20
Small Business Loans 0.00
Construction and Development Loans 7.56
Commercial Real Estate 37.68
Commercial and Industrial Loans 3.13
Farm Loans 0.00

Frequently Asked Questions About Community Bank Delaware

Branches and Savings

Is Community Bank Delaware FDIC insured?

Yes. It is covered under FDIC Certificate #58311.

Why does Community Bank Delaware pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Community Bank Delaware CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Community Bank Delaware a commercial bank?


Where are Community Bank Delaware locations?

See branch locations nearby.

Is Community Bank Delaware open on Saturdays?

Is Community Bank Delaware open on Sundays?

What time does Community Bank Delaware open?

What time does Community Bank Delaware close?

Are Community Bank Delaware ATMs Open 24/7?

Do Community Bank Delaware ATMs accept cash deposits?

Can Community Bank Delaware customers use other ATMs?

Do Community Bank Delaware branches have notaries?

Will Community Bank Delaware notarize my document?

What address for Community Bank Delaware should I put for incoming ACH transfers?

Will the Community Bank Delaware branch print checks?

Do Community Bank Delaware checks expire?

Does Community Bank Delaware require US citizenship to open account?

Can Community Bank Delaware close my account?

Does Community Bank Delaware Report to credit bureaus?

Does Community Bank Delaware Use Equifax?

What is Community Bank Delaware's ACH Routing Number?

What is Community Bank Delaware's SWIFT code?


Does Community Bank Delaware offer mortgages?

Compare mortgage rates here.

Does Community Bank Delaware offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Community Bank Delaware offer personal loans?

Compare personal loan rates here.

Does Community Bank Delaware offer student loans?

Will Community Bank Delaware cash a check?

Will Community Bank Delaware redeem a savings bond?

Does Community Bank Delaware cash savings bonds?

Will Community Bank Delaware cash money orders?

Can Community Bank Delaware issue a money order?

Does Community Bank Delaware do currency exchange?

Background on The Bank

Who owns Community Bank Delaware?

How long has Community Bank Delaware been around?

Can Community Bank Delaware transfer to other banks?

Does Community Bank Delaware have quick pay?

Does Community Bank Delaware accept rolled coins?

Will Community Bank Delaware accept loose change?

Where is Community Bank Delaware headquarters?

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