Cedar Rapids, IA · Cert 18463 · Delhi Bancshares Inc.
National charter · OCC · 4 branches
Q2 2026
Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 0.4% share · #31 of 35 inst. · $0.0B of $8.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | -0.60% | -0.70% | -0.29% | -0.83% | -0.57% | -0.64% | -3.85% | -355 bps | |
| Return on Equity | -10.52% | -12.00% | -14.47% | -5.71% | -15.36% | -10.22% | -11.39% | -7.33% | -162 bps | |
| Net Interest Margin | 2.49% | 2.44% | 2.37% | 2.36% | 2.46% | 2.54% | 2.56% | 0.81% | -155 bps | |
| Efficiency Ratio | 117.73% | 120.21% | 126.71% | 110.73% | 130.29% | 118.03% | 121.14% | 134.60% | +2,387 bps | |
| Non-Interest Burden | 3.00% | 3.00% | 3.07% | 2.67% | 3.29% | 3.07% | 3.20% | 2.58% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.75% | -2.29% | -3.97% | -7.78% | -6.03% | -5.11% | -5.53% | 1062% | +106,988 bps | |
| Loan Growth (YoY) | 2.34% | 1.45% | -1.15% | -7.16% | -3.09% | -2.19% | -2.39% | 1253% | +125,972 bps | |
| Deposit Growth (YoY) | -1.30% | -4.24% | -10.88% | -7.90% | -7.45% | -4.15% | -5.35% | 64.58% | +7,248 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.89% | 0.90% | 0.90% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.86% | 0.90% | 0.90% | 0.93% | 0.89% | 0.91% | 0.91% | 1.01% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 1.0x | 1.0x | 1.0x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.09% | 9.01% | 8.74% | 8.78% | 8.78% | 8.58% | 8.60% | 61.62% | +5,284 bps | |
| Total Risk-Based Capital | 9.09% | 9.01% | 8.74% | 8.78% | 18.34% | 18.11% | 17.24% | 61.62% | +5,284 bps | |
| Equity / Assets | 5.38% | 4.62% | 5.07% | 5.21% | 5.58% | 5.66% | 5.50% | 56.47% | +5,126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.04% | 55.92% | 57.93% | 56.18% | 59.72% | 57.06% | 59.75% | 462% | +40,555 bps | |
| Liquid Assets / Assets | 15.18% | 15.68% | 14.56% | 13.37% | 13.12% | 12.81% | 12.91% | 0.62% | -1,275 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 103.07% | 132.73% | 128.01% | n/a | n/a | |