Delhi, LA · Cert 19638 · Delhi Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
46
Asset Quality
13
Profitability
62
Liquidity
88
Efficiency
72
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Delhi, LA · Cert 19638 · Delhi Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Monroe, LA · 2026 SOD (annual) · 4.5% share · #8 of 20 inst. · $0.3B of $6.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 1.49% | 1.23% | 1.35% | 1.34% | 1.29% | 0.94% | 1.14% | -21 bps | |
| Return on Equity | 17.09% | 17.74% | 14.68% | 16.23% | 16.08% | 15.63% | 11.39% | 13.72% | -251 bps | |
| Net Interest Margin | 4.06% | 3.98% | 3.89% | 3.77% | 3.79% | 3.79% | 3.60% | 3.81% | +4 bps | |
| Efficiency Ratio | 59.16% | 58.08% | 61.53% | 57.22% | 56.68% | 57.48% | 61.16% | 56.65% | -58 bps | |
| Non-Interest Burden | 2.25% | 2.12% | 2.25% | 2.01% | 1.99% | 2.01% | 2.08% | 2.01% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.25% | 6.91% | 8.04% | 11.62% | 10.49% | 10.31% | 3.02% | 2.25% | -936 bps | |
| Loan Growth (YoY) | 8.53% | 6.61% | 6.35% | 5.87% | 3.48% | 4.12% | 0.07% | 0.85% | -502 bps | |
| Deposit Growth (YoY) | 5.43% | 7.64% | 9.07% | 13.26% | 12.45% | 12.06% | 9.11% | 7.96% | -530 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.53% | 1.29% | 1.30% | 1.89% | 2.81% | 3.32% | 2.46% | 1.29% | -60 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.43% | 0.02% | 0.09% | 0.06% | 0.23% | 0.16% | 0.49% | +40 bps | |
| Allowance / Loans | 0.85% | 0.56% | 0.56% | 0.55% | 0.63% | 0.54% | 0.63% | 0.53% | -2 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.4x | 0.4x | 0.3x | 0.2x | 0.2x | 0.3x | 0.4x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.67% | 8.53% | 8.79% | 8.36% | 8.30% | 8.23% | 8.36% | 8.50% | +14 bps | |
| Total Risk-Based Capital | 15.19% | 14.57% | 15.20% | 15.31% | 15.49% | 14.94% | 15.94% | 15.61% | +30 bps | |
| Equity / Assets | 8.59% | 8.30% | 8.43% | 8.21% | 8.32% | 7.98% | 8.54% | 8.41% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.16% | 89.19% | 88.27% | 86.52% | 86.65% | 82.87% | 80.95% | 80.82% | -570 bps | |
| Liquid Assets / Assets | 14.45% | 17.09% | 19.19% | 20.84% | 21.30% | 22.30% | 19.83% | 19.53% | -131 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 332% | 336% | 311% | n/a | n/a | |
Delhi, LA · Cert 19638 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Delhi Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Return on Assets
1.14%
Rank 329 of 746
Net Interest Margin
3.81%
Rank 325 of 746
Efficiency Ratio
56.65%
Rank 207 of 746
Equity / Assets
8.41%
Rank 611 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.14% | 0.72% | 1.06% | 1.45% | Beats 56% | 329 / 746 | ||
| Return on Equity | 13.59% | 6.74% | 10.51% | 13.63% | Beats 75% | 190 / 746 | ||
| Net Interest Margin | 3.81% | 3.17% | 3.68% | 4.16% | Beats 56% | 325 / 746 | ||
| Efficiency Ratio | 56.65% | 55.74% | 64.58% | 75.47% | Beats 72% | 207 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.29% | 0.09% | 0.42% | 1.07% | Beats 20% | 593 / 743 | ||
| Net Charge-Offs / Loans | 0.26% | 0.00% | 0.01% | 0.05% | Beats 6% | 699 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.93% | 11.55% | 13.75% | 17.60% | Beats 61% | 294 / 746 | ||
| Total Risk-Based Capital Ratio | 15.61% | 11.71% | 14.33% | 18.43% | Beats 60% | 299 / 746 | ||
| Equity / Assets | 8.41% | 8.90% | 10.51% | 13.06% | Beats 18% | 611 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.82% | 61.31% | 78.27% | 90.78% | 55th pctl | 334 / 746 | ||
| Loans / Assets | 72.73% | 53.60% | 66.97% | 76.08% | 65th pctl | 260 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||