How profitable a bank is has an effect on its safety and soundness. Earnings can be retained by the bank, expanding its capital cushion, or be used to address problematic loans, likely making the bank more resilient in tough times. Conversely, losses take away from a bank's ability to do those things.
Barclays Bank Delaware received above-average marks on Bankrate's test of earnings, achieving a score of 26 out of a possible 30.
One key measure of a bank's earnings is return on equity, calculated by dividing net income (profit, basically) by total equity. Barclays Bank Delaware's most recent annualized quarterly return on equity was 16.55 percent, above the national average of 9.24 percent.
For the twelve months ended June 30, 2017, the bank reported net income of $350.0 million on total equity of $4.36 billion. 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 1.13 percent.