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DLP Bank

Starke, FL · Cert 17734 · 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
Loan mix
81%RE $94.2M18%C&I $21.0M1%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $153.2M37%Noninterest $88.3MQ2 2025Q2 2026

NIM

5.76%Q2 ’245.87%Q2 ’255.17%Q2 ’26-2%-18%

Non-interest income vs. expense

4.42%Q2 ’243.75%Q2 ’253.69%Q2 ’26-16%+1%

Executive Summary

  • Earnings: ROA of 0.88%, down 97 bps year over year; NIM at 4.71%.
  • Asset quality: problem loans at 1.45% of loans (-102 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 15.32%, down 32 bps from a year ago.
  • Funding: loans stand at 49.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.88%-97 bps YoY

Net Interest Margin (quarter, annualized)

4.71%-103 bps YoY

Efficiency Ratio (quarter, annualized)

67.43%+1,344 bps YoY

Tier 1 Leverage Ratio

15.32%-32 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.84%1.40%-3.20%0.80%0.88%-97 bps
Return on Equity9.83%7.44%-16.89%4.21%4.58%-525 bps
Net Interest Margin5.74%5.33%-12.25%4.77%4.71%-103 bps
Efficiency Ratio53.99%57.00%59.75%69.21%67.43%+1,344 bps
Non-Interest Burden3.09%3.04%-6.80%3.20%3.13%+4 bps
Growth
Asset Growth (YoY)-7.06%-1.30%22.50%22.59%19.73%+2,679 bps
Loan Growth (YoY)9.38%1.93%1.88%2.57%11.78%+240 bps
Deposit Growth (YoY)-10.29%-3.28%21.70%22.32%18.84%+2,913 bps
Asset Quality
Nonperforming Loans / Loans2.47%2.42%3.29%3.26%1.45%-102 bps
Net Charge-Offs / Loans0.08%0.03%-0.02%0.13%0.06%-2 bps
Allowance / Loans1.63%1.68%3.68%3.62%1.76%+13 bps
Allowance Coverage of NPLs0.7x0.7x1.1x1.1x1.2x+0.6x
Capital
Tier 1 Leverage Ratio15.64%16.80%16.01%16.39%15.32%-32 bps
Total Risk-Based Capital15.64%16.80%16.01%16.39%15.32%-32 bps
Equity / Assets18.75%19.02%18.91%18.91%19.32%+57 bps
Liquidity & Funding
Loans / Deposits52.28%51.34%47.49%47.69%49.18%-310 bps
Liquid Assets / Assets22.13%23.35%29.80%31.56%29.73%+760 bps
CRE / Total Capitaln/a150.80%156.45%152.78%n/an/a