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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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.
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.
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.
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.
|FDIC Certificate #||7337|
|Assets and Liabilities|
|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|
|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 Margin||2.99%|
|Return on Assets||0.31%|
|Return on Equity||3.15%|
|Interest Income||$2.10 million|
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|0.75%||-||$10k||Kasasa Saver - Qualifying|
|0.10%||-||-||Christmas Clubs (Automatic Deposit)|
|0.10%||$25||-||Health Savings Account|
|0.01%||-||-||Christmas Clubs (Book)|
|0.01%||-||-||Kasasa Saver - Non Qualifying|
|2.01%||-||$10k||Kasasa Cash Checking - Qualifying|
|0.01%||-||-||Kasasa Cash Checking - Non Qualifying|
|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|
|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|
|The National Bank of Delaware County Locations|
|Stamford Branch||1 Churchill Avenue||Stamford, NY 12167|
|The National Bank Of Delaware County||131-135 Delaware Street||Walton, NY 13856|
|Andes Branch||314 Main Street||Andes, NY 13731|
|Hamden Branch||35861 State Route 10||Hamden, NY 13782|
|Franklin Branch||536 Main Street||Franklin, NY 13775|
|Roxbury Branch||53898 State Highway 30||Roxbury, NY 12474|