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607-865-4126
131-135 Delaware Street
Walton, NY 13856

The National Bank of Delaware County is headquartered in Walton and is the 98th largest bank in the state of New York. It is also the 2,339th largest bank in the nation. It was established in 1890 and as of March of 2014, it had grown to 71 employees at 6 locations. The National Bank of Delaware County's savings rates are 44% higher than the national average, and it boasts a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

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 The National Bank of Delaware County had $1.33 million in non-current loans and owned real-estate with $28.92 million in equity and loan loss allowances on hand to cover it. This gives The National Bank of Delaware County a Texas Ratio of 4.60% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for The National Bank of Delaware County decreased dramatically from 10.06% as of March 31, 2013 to 4.60% as of March 31, 2014, resulting in a positive change of 54.34%.This indicates that the balance sheet and financial strength for The National Bank of Delaware County has improved dramatically in recent periods.

Deposit Growth

GRADE:
A

In the past year, The National Bank of Delaware County has increased its total deposits by $7.27 million, resulting in 3.1% 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 The National Bank of Delaware County has shown is excellent.

Capitalization

GRADE:
B+

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. The National Bank of Delaware County has $276.78 million in assets with $28.92 million in equity, resulting in a capitalization level of 10.45%, which is above average.

Institution Statistics

Overall
FDIC Certificate #7337
Year Established1890
Employees71
Primary RegulatorOCC
Assets and Liabilities
Assets$276.78 million
Loans$94.66 million
Deposits$241.39 million
Equity Capital$27.27 million
Loan Loss Allowance$1.66 million
Unbacked Noncurrent Loans$845,000
Real Estate Owned$484,000
Historic Data - March 2013
Assets$273.24 million
Equity Capital$29.76 million
Loan Loss Allowance$1.63 million
Unbacked Noncurrent Loans$845,000
Real Estate Owned$110,000
Profit Margin - Quarterly
Net Interest Margin2.99%
Return on Assets0.31%
Return on Equity3.15%
Interest Income$2.10 million
Rates

Always verify rates and promotions with the bank or credit union. We are not The National Bank of Delaware County, we are a rate comparison website and can not provide official rates or promotions.

The National Bank of Delaware County Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.75%-$10kKasasa Saver - Qualifying
0.10%--Christmas Clubs (Automatic Deposit)
0.10%--All-Purpose Clubs
0.10%--Savings Account
0.10%$25-Health Savings Account
0.01%--Christmas Clubs (Book)
0.01%--Kasasa Saver - Non Qualifying

The National Bank of Delaware County Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$1k-Money Market

The National Bank of Delaware County Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.01%-$10kKasasa Cash Checking - Qualifying
0.10%$1k-NOW
0.01%--Kasasa Cash Checking - Non Qualifying

The National Bank of Delaware County CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$500-60 Month CD
1.00%$500-Business 60 Month CD
0.75%$500-30 Month CD
0.75%$500-Business 30 Month CD
0.50%$500-18 Month CD
0.50%$500-Business 18 Month CD
0.25%$500-12 Month CD
0.25%$500-Business 12 Month CD
0.15%$500-182 Day CD
0.15%$500-Business 182 Day CD
0.10%$500-91 Day CD
0.10%$500-31 Day CD
0.10%$500-Business 31 Day CD
0.10%$500-Business 91 Day CD

The National Bank of Delaware County IRA Rates

DetailsAPYMINMAXPRODUCT
1.00%$500-60 Month Fixed Rate IRA
0.75%$500-30 Month Fixed Rate IRA
0.60%$100-18 Month Variable Rate IRA
0.50%$500-18 Month Fixed Rate IRA
Locations


The National Bank of Delaware County Locations
Stamford Branch1 Churchill AvenueStamford, NY 12167
The National Bank Of Delaware County131-135 Delaware StreetWalton, NY 13856
Andes Branch314 Main StreetAndes, NY 13731
Hamden Branch35861 State Route 10Hamden, NY 13782
Franklin Branch536 Main StreetFranklin, NY 13775
Roxbury Branch53898 State Highway 30Roxbury, NY 12474