County Bank (DE)

19927 Shuttle Road
Rehoboth Beach, DE 19971
(302) 226-9800
www.countybankdel.com

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County Bank (DE) is headquartered in Rehoboth Beach and is the 19^st largest bank in the state of Delaware. It is also the 1,921^st largest bank in the nation. It was established in 1990 and as of March of 2012, it had grown to 92 employees at 9 locations. County Bank (DE) has a 2-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

County Bank (DE) Checking Account Rates

Apy	Min	Max	Product
0.15%	$1,500	-	County Checking Account
0.15%	$1,500	-	Student Checking Account
0.15%	$1,500	-	50 Advantage Checking Account

County Bank (DE) Savings Account Rates

Apy	Min	Max	Product
0.10%	-	-	Minor Savings Account
0.10%	-	-	Holiday Helper Savings Club
0.10%	-	-	County Savings Account

County Bank (DE) Money Market Rates

	Apy	Min	Max	Product
	0.15%	$1k	-	Money Market Account

County Bank (DE) CD Rates

Apy	Min	Max	Product
1.25%	$500	-	60 Month Regular CD
1.25%	$99k	-	60 Month Jumbo CD
1.05%	$500	-	48-59 Month Regular CD
1.05%	$99k	-	48-59 Month Jumbo CD
0.70%	$500	-	36-47 Month Regular CD
0.70%	$99k	-	36-47 Month Jumbo CD
0.50%	$99k	-	24-35 Month Regular CD
0.50%	$99k	-	24-35 Month Jumbo CD
0.30%	$500	-	13-23 Month Regular CD
0.30%	$99,900	-	13-23 Month Jumbo CD
0.25%	$500	-	12 Month Regular CD
0.25%	$99k	-	12 Month Jumbo CD
0.20%	$500	-	182 Day Regular CD
0.20%	$99k	-	182 Day Jumbo CD
0.10%	$500	-	30 Day Regular CD
0.10%	$500	-	90 Day Regular CD
0.10%	$99k	-	30 Day Jumbo CD
0.10%	$99k	-	90 Day Jumbo CD

County Bank (DE) IRA Rates

Apy	Min	Max	Product
1.25%	$500	-	60 Month Regular IRA
1.25%	$99k	-	60 Month Jumbo IRA
1.05%	$500	-	48-59 Month Regular IRA
1.05%	$99k	-	48-59 Month Jumbo IRA
0.70%	$500	-	36-47 Month Regular IRA
0.70%	$99k	-	36-47 Month Jumbo IRA
0.50%	$500	-	24-35 Month Regular IRA
0.50%	$99k	-	24-35 Month Jumbo IRA
0.30%	$500	-	13-23 Month Regular IRA
0.30%	$99k	-	13-23 Month Jumbo IRA
0.25%	$500	-	12 Month Regular IRA
0.25%	$99k	-	12 Month Jumbo IRA
0.20%	$500	-	182 Day Regular IRA
0.20%	$99k	-	182 Day Jumbo IRA
0.10%	$500	-	30 Day Regular IRA
0.10%	$500	-	90 Day Regular IRA
0.10%	$99k	-	30 Day Jumbo IRA
0.10%	$99k	-	90 Day Jumbo IRA

Rates updated: 5/24/2012

Data for Q1 2012

Institution Statistics

County Bank
FDIC Certificate #	33009
BankRate Report	View
Year Established	1990
Employees	92
Primary Regulator	FDIC
Assets and Liabilities
Assets	$342.49 million
Loans	$262.42 million
Deposits	$293.97 million
Equity Capital	$29.96 million
Loan Loss Allowance	$7.00 million
Unbacked Noncurrent Loans	$13.84 million
Real Estate Owned	$4.65 million
Historic Data - March 2011
Assets	$366.25 million
Equity Capital	$34.93 million
Loan Loss Allowance	$6.65 million
Unbacked Noncurrent Loans	$15.11 million
Real Estate Owned	$4.67 million
Profit Margin - Quarterly
Net Interest Margin	4.29%
Return on Assets	0.54%
Return on Equity	6.15%
Interest Income	$3.64 million

Institution Health

Overall Score:

2 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 County Bank (DE) had $18.48 million in non-current loans and owned real-estate with $36.96 million in equity and loan loss allowances on hand to cover it. This gives County Bank (DE) a Texas Ratio of 50.01% which is below 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) held steady from 47.57% as of March 31, 2011 to 50.01% as of March 31, 2012, resulting in a negative change of 5.13%. This indicates that the balance sheet and financial strength for County Bank (DE) has held steady in recent periods.
Deposit Growth
In the past year, County Bank (DE) has decreased its total deposits by -$29.22 million, resulting in -9.04% 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 poor.
Capitalization
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 $342.49 million in assets with $36.96 million in equity, resulting in a capitalization level of 10.79%, which is above average.