PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Delta Bank

Vidalia, LA · Cert 26564 · Central Louisiana Capital Corp.

State charter, non-member · FDIC · 7 branches

Q2 2026

$632.0MAssets
$474.7MLoans
$558.5MDeposits
$61.7MEquity
Loan mix
86%RE $308.5M11%C&I $40.6M2%Consumer $7.9MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $464.9M17%Noninterest $93.6MQ3 2024Q2 2026

Market Position · Monroe, LA · 2026 SOD (annual) · 0.1% share · #19 of 20 inst. · $0.0B of $6.2B

37.7% Concordia
100.0% East Carroll
27.1% Madison
4.2% Warren

Executive Summary

  • Earnings: ROA of 1.51%, down 3 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 1.04% of loans (-71 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.04%, up 34 bps from a year ago.
  • Funding: loans stand at 84.99% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.51%-3 bps YoY

Net Interest Margin (YTD, annualized)

4.12%+33 bps YoY

Efficiency Ratio (YTD, annualized)

55.28%+8 bps YoY

Tier 1 Leverage Ratio

10.04%+34 bps YoY

NIM

5.34%Q2 ’245.57%Q2 ’255.77%Q2 ’26+9%+9%

Non-interest income vs. expense

2.51%Q2 ’242.56%Q2 ’252.61%Q2 ’26-10%+17%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.32%1.31%1.28%1.54%1.49%1.47%1.48%1.51%-3 bps
Return on Equity13.67%13.49%13.03%15.93%15.29%15.02%14.90%15.34%-59 bps
Net Interest Margin3.37%3.59%3.85%3.79%3.72%3.91%4.11%4.12%+33 bps
Efficiency Ratio58.97%58.52%59.18%55.19%54.92%54.87%55.97%55.28%+8 bps
Non-Interest Burden1.74%1.82%2.02%1.71%1.71%1.81%2.04%2.01%+30 bps
Growth
Asset Growth (YoY)6.43%2.48%7.99%2.92%-1.25%7.05%2.85%2.06%-87 bps
Loan Growth (YoY)21.04%8.45%9.02%7.65%0.34%6.64%4.39%1.59%-606 bps
Deposit Growth (YoY)-3.56%-0.55%9.80%6.67%7.75%10.53%5.45%5.99%-68 bps
Asset Quality
Nonperforming Loans / Loans0.36%0.85%1.30%1.74%1.99%2.33%1.00%1.04%-71 bps
Net Charge-Offs / Loans0.05%0.10%0.06%0.05%0.07%0.19%-0.01%0.02%-3 bps
Allowance / Loans0.56%0.67%0.65%0.66%0.78%0.77%0.76%0.77%+11 bps
Allowance Coverage of NPLs1.5x0.8x0.5x0.4x0.4x0.3x0.8x0.7x+0.4x
Capital
Tier 1 Leverage Ratio9.19%9.79%10.04%9.70%9.54%10.09%9.92%10.04%+34 bps
Total Risk-Based Capital9.19%9.79%10.04%9.70%9.54%10.09%9.92%10.04%+34 bps
Equity / Assets9.37%10.14%9.49%9.46%9.91%10.05%9.78%9.77%+31 bps
Liquidity & Funding
Loans / Deposits89.97%83.33%80.72%88.67%83.78%80.40%79.91%84.99%-368 bps
Liquid Assets / Assets20.84%21.98%22.61%17.30%17.87%20.14%20.41%17.49%+20 bps
CRE / Total Capitaln/an/an/an/a185.41%183.83%175.27%n/an/a