Delhi, NY · Cert 7025 · Delhi Bank Corp.
National charter · OCC · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.61% | 0.67% | 0.77% | 0.80% | +24 bps | |
| Return on Equity | 7.26% | 7.70% | 8.34% | 9.53% | 9.96% | +269 bps | |
| Net Interest Margin | 2.18% | 2.24% | 2.29% | 2.45% | 2.44% | +26 bps | |
| Efficiency Ratio | 72.79% | 71.20% | 69.10% | 66.80% | 65.57% | -722 bps | |
| Non-Interest Burden | 1.47% | 1.47% | 1.45% | 1.49% | 1.44% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.61% | 2.94% | 0.68% | 5.52% | 3.17% | +55 bps | |
| Loan Growth (YoY) | 2.23% | 0.77% | 1.65% | 2.12% | 2.74% | +51 bps | |
| Deposit Growth (YoY) | 2.32% | 3.74% | -0.25% | 5.64% | 3.05% | +74 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.64% | 0.70% | 0.75% | 0.67% | 0.60% | -3 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.01% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 0.49% | 0.50% | 0.50% | 0.50% | 0.50% | +1 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 0.7x | 0.8x | 0.8x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.97% | 10.09% | 10.03% | 9.80% | 9.61% | -36 bps | |
| Total Risk-Based Capital | 9.97% | 10.09% | 10.03% | 9.80% | 9.61% | -36 bps | |
| Equity / Assets | 7.94% | 8.50% | 8.48% | 7.64% | 8.03% | +9 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.06% | 77.69% | 78.23% | 71.16% | 76.83% | -23 bps | |
| Liquid Assets / Assets | 5.30% | 4.83% | 4.41% | 11.60% | 4.72% | -58 bps | |
| CRE / Total Capital | n/a | 72.64% | 73.47% | 82.13% | n/a | n/a | |