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Letter portraitLegal landscapeQuarterYTD

Delaware National Bank of Delhi, The

Delhi, NY · Cert 7025 · Delhi Bank Corp.

National charter · OCC · 4 branches

Q2 2026

$384.1MAssets
$267.8MLoans
$348.6MDeposits
$30.8MEquity
Loan mix
95%RE $250.8M4%C&I $9.7M1%Consumer $3.2MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $273.6M22%Noninterest $75.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.80%, up 24 bps year over year; NIM at 2.44%.
  • Asset quality: problem loans at 0.60% of loans (-3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.61%, down 36 bps from a year ago.
  • Funding: loans stand at 76.83% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.80%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.44%+26 bps YoY

Efficiency Ratio (YTD, annualized)

65.57%-722 bps YoY

Tier 1 Leverage Ratio

9.61%-36 bps YoY

NIM

3.47%Q2 ’243.60%Q2 ’253.71%Q2 ’26+6%+12%

Non-interest income vs. expense

1.94%Q2 ’241.90%Q2 ’251.90%Q2 ’26-2%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.47%0.53%0.56%0.61%0.67%0.77%0.80%+24 bps
Return on Equity5.92%6.11%6.94%7.26%7.70%8.34%9.53%9.96%+269 bps
Net Interest Margin2.08%2.09%2.14%2.18%2.24%2.29%2.45%2.44%+26 bps
Efficiency Ratio76.79%76.10%74.52%72.79%71.20%69.10%66.80%65.57%-722 bps
Non-Interest Burden1.49%1.48%1.49%1.47%1.47%1.45%1.49%1.44%-3 bps
Growth
Asset Growth (YoY)-2.91%-0.92%3.95%2.61%2.94%0.68%5.52%3.17%+55 bps
Loan Growth (YoY)2.00%0.68%2.02%2.23%0.77%1.65%2.12%2.74%+51 bps
Deposit Growth (YoY)2.10%3.92%3.69%2.32%3.74%-0.25%5.64%3.05%+74 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.50%0.57%0.64%0.70%0.75%0.67%0.60%-3 bps
Net Charge-Offs / Loans0.00%0.00%0.02%0.02%0.02%0.01%0.00%0.00%-2 bps
Allowance / Loans0.49%0.50%0.49%0.49%0.50%0.50%0.50%0.50%+1 bps
Allowance Coverage of NPLs1.5x1.0x0.9x0.8x0.7x0.7x0.8x0.8x+0.1x
Capital
Tier 1 Leverage Ratio10.25%10.31%9.91%9.97%10.09%10.03%9.80%9.61%-36 bps
Total Risk-Based Capital10.25%10.31%9.91%9.97%10.09%10.03%9.80%9.61%-36 bps
Equity / Assets8.42%7.65%7.72%7.94%8.50%8.48%7.64%8.03%+9 bps
Liquidity & Funding
Loans / Deposits79.98%76.77%73.62%77.06%77.69%78.23%71.16%76.83%-23 bps
Liquid Assets / Assets3.70%5.90%8.72%5.30%4.83%4.41%11.60%4.72%-58 bps
CRE / Total Capitaln/an/an/an/a72.64%73.47%82.13%n/an/a