How profitable a bank is affects its long-term survivability. Earnings can be retained by the bank, increasing its capital cushion, or be used to deal with problematic loans, potentially making the bank better prepared to withstand economic shocks. Banks that are losing money, however, are less able to do those things.
Barclays Bank Delaware scored 26 out of a possible 30 on Bankrate's earnings test, exceeding the national average of 16.52.
Return on equity, calculated by dividing net income (profit, essentially) by the total amount of equity, is one widely used measure of a bank's earnings. The most recent annualized quarterly return on equity for Barclays Bank Delaware was 16.55 percent, above the national average of 9.28 percent.
The bank recorded net income of $350.0 million on total equity of $4.36 billion for the twelve months ended June 30, 2017. The bank reported an annualized return on average assets, or ROA, of 2.22 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.14 percent.