Delta Bank
Vidalia, LA · Cert 26564 · Peer group: banks under $1B in assets operating regionally (n=94) · Central Louisiana Capital Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
$632.0MAssets
$474.7MLoans
$558.5MDeposits
$61.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 81% of banks under $1B in assets operating regionally (rank 18 of 94).
- Widest gap: total risk-based capital ratio trails 83% of banks under $1B in assets operating regionally (rank 78 of 94).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.48%
Rank 23 of 94
Net Interest Margin
4.12%
Rank 27 of 94
Efficiency Ratio
55.32%
Rank 20 of 94
Equity / Assets
9.77%
Rank 59 of 94
Non-interest income vs. expense
Unfavorable gap of $12.4M · efficiency ratio beats 80% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.48% | 0.82% | 1.19% | 1.46% | Beats 76% | 23 / 94 | |
| Return on Equity | 15.13% | 7.85% | 11.84% | 14.03% | Beats 81% | 18 / 94 | |
| Net Interest Margin | 4.12% | 3.42% | 3.81% | 4.18% | Beats 71% | 27 / 94 | |
| Efficiency Ratio | 55.32% | 55.99% | 62.41% | 73.02% | Beats 80% | 20 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.04% | 0.19% | 0.47% | 1.14% | Beats 30% | 67 / 94 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.05% | Beats 44% | 54 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 10.04% | 10.28% | 11.95% | 15.07% | Beats 19% | 76 / 94 | |
| Total Risk-Based Capital Ratio | 10.04% | 10.31% | 12.59% | 15.88% | Beats 17% | 78 / 94 | |
| Equity / Assets | 9.77% | 8.98% | 10.21% | 11.41% | Beats 37% | 59 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 84.99% | 72.62% | 84.44% | 94.55% | 52nd pctl | 45 / 94 | |
| Loans / Assets | 75.11% | 62.50% | 72.84% | 78.99% | 62nd pctl | 36 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |