Delaware National Bank of Delhi, The
Delhi, NY · Cert 7025 · Peer group: banks under $1B in assets (n=581-629) · Delhi Bank Corp.
National charter · OCC · 4 branches
Q2 2026
$384.1MAssets
$267.8MLoans
$348.6MDeposits
$30.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 63% of banks under $1B in assets (rank 216 of 581).
- Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets (rank 586 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.81%
Rank 413 of 629
Net Interest Margin
2.44%
Rank 575 of 629
Efficiency Ratio
65.57%
Rank 271 of 629
Equity / Assets
8.03%
Rank 550 of 629
Non-interest income vs. expense
Unfavorable gap of $5.7M · efficiency ratio beats 57% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.60% | 1.01% | 1.45% | Beats 34% | 413 / 629 | |
| Return on Equity | 10.06% | 5.38% | 9.30% | 13.28% | Beats 54% | 288 / 629 | |
| Net Interest Margin | 2.44% | 3.03% | 3.54% | 4.05% | Beats 9% | 575 / 629 | |
| Efficiency Ratio | 65.57% | 58.35% | 67.79% | 79.08% | Beats 57% | 271 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.09% | 0.46% | 1.20% | Beats 43% | 331 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 63% | 216 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.61% | 11.24% | 13.84% | 18.77% | Beats 7% | 584 / 629 | |
| Total Risk-Based Capital Ratio | 9.61% | 11.58% | 14.43% | 19.66% | Beats 7% | 586 / 629 | |
| Equity / Assets | 8.03% | 9.09% | 10.65% | 13.80% | Beats 13% | 550 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 76.83% | 67.24% | 80.90% | 93.48% | 44th pctl | 334 / 594 | |
| Loans / Assets | 69.72% | 53.31% | 67.71% | 78.15% | 55th pctl | 281 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |