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 | |