DLP Bank
Starke, FL · Cert 17734 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Regent Capital Corp.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (10 in holding)
Q2 2026
$301.4MAssets
$118.8MLoans
$241.5MDeposits
$58.2MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 95% of banks under $1B in assets operating in a single state (rank 40 of 746).
- Widest gap: return on equity trails 84% of banks under $1B in assets operating in a single state (rank 628 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.84%
Rank 492 of 746
Net Interest Margin
4.53%
Rank 85 of 746
Efficiency Ratio
75.09%
Rank 556 of 746
Equity / Assets
19.32%
Rank 40 of 746
Non-interest income vs. expense
Unfavorable gap of $8.6M · efficiency ratio beats 26% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.72% | 1.06% | 1.45% | Beats 34% | 492 / 746 | |
| Return on Equity | 4.36% | 6.74% | 10.51% | 13.63% | Beats 16% | 628 / 746 | |
| Net Interest Margin | 4.53% | 3.17% | 3.68% | 4.16% | Beats 89% | 85 / 746 | |
| Efficiency Ratio | 75.09% | 55.74% | 64.58% | 75.47% | Beats 26% | 556 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.45% | 0.09% | 0.42% | 1.07% | Beats 18% | 613 / 743 | |
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.01% | 0.05% | Beats 20% | 595 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 15.32% | 11.55% | 13.75% | 17.60% | Beats 64% | 272 / 746 | |
| Total Risk-Based Capital Ratio | 15.32% | 11.71% | 14.33% | 18.43% | Beats 58% | 312 / 746 | |
| Equity / Assets | 19.32% | 8.90% | 10.51% | 13.06% | Beats 95% | 40 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 49.18% | 61.31% | 78.27% | 90.78% | 12th pctl | 655 / 746 | |
| Loans / Assets | 39.40% | 53.60% | 66.97% | 76.08% | 9th pctl | 677 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |