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Overview / Commentary
19927 Shuttle Road
Rehoboth Beach, DE 19971

County Bank (DE) is headquartered in Rehoboth Beach and is the 15st largest bank in the state of Delaware. It is also the 1,958th largest bank in the nation. It was established in 1990 and as of March of 2014, it had grown to 83 employees at 7 locations. County Bank (DE) has a B health rating.

Reviews (1)

Great Service

County Bank is a great little community bank. It is customer oriented and the staff is friendly and knowledgeable. Deposits are invested back into the community.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 County Bank (DE) had $10.17 million in non-current loans and owned real-estate with $37.79 million in equity and loan loss allowances on hand to cover it. This gives County Bank (DE) a Texas Ratio of 26.91% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for County Bank (DE) experienced no significant changes from 27.44% as of March 31, 2013 to 26.91% as of March 31, 2014, resulting in a positive change of 1.92%.This indicates that the balance sheet and financial strength for County Bank (DE) has had no significant changes in recent periods.

Deposit Growth


In the past year, County Bank (DE) has increased its total deposits by $10.97 million, resulting in 3.86% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth County Bank (DE) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. County Bank (DE) has $336.36 million in assets with $37.79 million in equity, resulting in a capitalization level of 11.24%, which is excellent.

Institution Statistics

FDIC Certificate #33009
Year Established1990
Primary RegulatorFDIC
Assets and Liabilities
Assets$336.36 million
Loans$239.85 million
Deposits$295.29 million
Equity Capital$32.77 million
Loan Loss Allowance$5.03 million
Unbacked Noncurrent Loans$7.95 million
Real Estate Owned$2.22 million
Historic Data - March 2013
Assets$323.64 million
Equity Capital$31.24 million
Loan Loss Allowance$6.45 million
Unbacked Noncurrent Loans$7.95 million
Real Estate Owned$2.45 million
Profit Margin - Quarterly
Net Interest Margin3.96%
Return on Assets0.32%
Return on Equity3.29%
Interest Income$3.19 million

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County Bank (DE) Savings Account Rates

0.05%--Minor Savings Account
0.05%--Holiday Helper Savings Club
0.05%--County Savings Account

County Bank (DE) Money Market Rates

0.10%--Money Market Account

County Bank (DE) Checking Account Rates

0.05%$500-County Checking Account
0.05%$500-50 Advantage Checking Account
0.05%$500-County PLUS Checking

County Bank (DE) CD Rates

0.35%$500-60 Month Regular CD
0.35%$99k-60 Month Jumbo CD
0.25%$500-48-59 Month Regular CD
0.25%$99k-48-59 Month Jumbo CD
0.10%$99k-24-35 Month Regular CD
0.10%$500-36-47 Month Regular CD
0.10%$99k-24-35 Month Jumbo CD
0.10%$99k-36-47 Month Jumbo CD
0.05%$500-30 Day Regular CD
0.05%$500-90 Day Regular CD
0.05%$500-182 Day Regular CD
0.05%$500-12 Month Regular CD
0.05%$500-13-23 Month Regular CD
0.05%$99,900-13-23 Month Jumbo CD
0.05%$99k-30 Day Jumbo CD
0.05%$99k-90 Day Jumbo CD
0.05%$99k-182 Day Jumbo CD
0.05%$99k-12 Month Jumbo CD

County Bank (DE) IRA Rates

0.35%$500-60 Month Regular IRA
0.35%$99k-60 Month Jumbo IRA
0.25%$500-48-59 Month Regular IRA
0.25%$99k-48-59 Month Jumbo IRA
0.10%$500-24-35 Month Regular IRA
0.10%$500-36-47 Month Regular IRA
0.10%$99k-24-35 Month Jumbo IRA
0.10%$99k-36-47 Month Jumbo IRA
0.05%$500-13-23 Month Regular IRA
0.05%$500-30 Day Regular IRA
0.05%$500-90 Day Regular IRA
0.05%$500-182 Day Regular IRA
0.05%$500-12 Month Regular IRA
0.05%$99k-13-23 Month Jumbo IRA
0.05%$99k-30 Day Jumbo IRA
0.05%$99k-90 Day Jumbo IRA
0.05%$99k-182 Day Jumbo IRA
0.05%$99k-12 Month Jumbo IRA

County Bank (DE) Locations
Millville Branch10 Old Mill RoadMillville, DE 19967
Milford Branch100 E Masten CircleMilford, DE 19963
Georgetown Branch13 North Bedford StreetGeorgetown, DE 19947
Milton Branch140 Broadhill RoadMilton, DE 19968
Lewes Branch1609 Savannah RoadLewes, DE 19958
County Bank19927 Shuttle RoadRehoboth Beach, DE 19971
Long Neck Branch25933 School LaneMillsboro, DE 19966