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Delta National Bank and Trust Company

New York, NY · Cert 26633

FDIC · 2 branches

Q3 2023

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2023, the quarter ended September 30, 2023, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Delta National Bank and Trust Company

New York, NY · Cert 26633

FDIC · 2 branches

Q3 2023

$364.9MAssets
$50.1MLoans
$156.6MDeposits
$55.3MEquity
Deposit mix
63%Interest-bearing $99.4M37%Noninterest $57.2MQ3 2022Q3 2023

NIM

1.44%Q3 ’211.83%Q3 ’224.81%Q3 ’23+14%+141%

Non-interest income vs. expense

5.33%Q3 ’214.14%Q3 ’224.71%Q3 ’23-30%+7%

Market Position · New York-Newark-Jersey City, NY-NJ · 2023 SOD (annual) · 0.0% share · #128 of 156 inst. · $0.1B of $2583.1B

0.0% New York
0.0% Miami-Dade

Executive Summary

  • Earnings: ROA of 1.21%, up 138 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 18.79%, up 488 bps from a year ago.
  • Funding: loans stand at 31.99% of deposits as of Q3 2023.

Financial Results

Return on Assets (YTD, annualized)

1.21%+138 bps YoY

Net Interest Margin (YTD, annualized)

3.59%+210 bps YoY

Efficiency Ratio (YTD, annualized)

72.52%-3,233 bps YoY

Tier 1 Leverage Ratio

18.79%+488 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets-0.17%0.06%1.08%1.13%1.21%+138 bps
Return on Equity-1.38%0.47%8.59%8.04%8.42%+980 bps
Net Interest Margin1.49%1.84%2.88%3.15%3.59%+210 bps
Efficiency Ratio104.85%97.20%70.04%72.05%72.52%-3,233 bps
Non-Interest Burden1.68%1.72%1.38%1.61%1.80%+12 bps
Growth
Asset Growth (YoY)-0.11%7.99%0.19%-39.99%9.10%+920 bps
Loan Growth (YoY)-31.05%-29.13%-40.75%-47.07%-35.50%-445 bps
Deposit Growth (YoY)-1.81%11.41%9.50%-28.87%-36.10%-3,429 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.91%14.49%13.27%14.65%18.79%+488 bps
Total Risk-Based Capital13.91%14.49%13.27%14.65%18.79%+488 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits31.69%21.66%17.61%25.08%31.99%+30 bps
Liquid Assets / Assets25.49%21.90%18.48%27.83%22.51%-297 bps
CRE / Total Capitaln/an/an/an/an/an/an/a