Adelphi Bank
Columbus, OH · Cert 59292 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 1 branch
Q2 2026
$124.5MAssets
$98.5MLoans
$104.2MDeposits
$18.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: return on equity trails 91% of banks under $1B in assets (rank 572 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.12%
Rank 572 of 629
Net Interest Margin
4.46%
Rank 70 of 629
Efficiency Ratio
89.93%
Rank 550 of 629
Equity / Assets
15.15%
Rank 140 of 629
Non-interest income vs. expense
Unfavorable gap of $4.8M · efficiency ratio beats 13% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.12% | 0.60% | 1.01% | 1.45% | Beats 9% | 572 / 629 | | |
| Return on Equity | 0.78% | 5.38% | 9.30% | 13.28% | Beats 9% | 572 / 629 | | |
| Net Interest Margin | 4.46% | 3.03% | 3.54% | 4.05% | Beats 89% | 70 / 629 | | |
| Efficiency Ratio | 89.93% | 58.35% | 67.79% | 79.08% | Beats 13% | 550 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 15.82% | 11.24% | 13.84% | 18.77% | Beats 64% | 227 / 629 | | |
| Total Risk-Based Capital Ratio | 15.82% | 11.58% | 14.43% | 19.66% | Beats 60% | 253 / 629 | | |
| Equity / Assets | 15.15% | 9.09% | 10.65% | 13.80% | Beats 78% | 140 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.47% | 67.24% | 80.90% | 93.48% | 77th pctl | 134 / 594 | | |
| Loans / Assets | 79.10% | 53.31% | 67.71% | 78.15% | 79th pctl | 134 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |