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Bank of Delight

Delight, AR · Cert 99

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

54

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

73

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

89

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

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

Bank of Delight

Delight, AR · Cert 99

State charter, non-member · FDIC · 4 branches

Q2 2026

$201.0MAssets
$179.0MLoans
$169.2MDeposits
$27.2MEquity
Loan mix
85%RE $141.3M12%C&I $19.6M3%Consumer $5.8MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $144.1M15%Noninterest $25.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.65%, down 23 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.29% of loans (-88 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 13.39%, down 85 bps from a year ago.
  • Funding: loans stand at 105.79% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.65%-23 bps YoY

Net Interest Margin (YTD, annualized)

3.95%-24 bps YoY

Efficiency Ratio (YTD, annualized)

49.17%+466 bps YoY

Tier 1 Leverage Ratio

13.39%-85 bps YoY

NIM

6.37%Q2 ’246.46%Q2 ’256.17%Q2 ’26-2%-6%

Non-interest income vs. expense

2.06%Q2 ’241.92%Q2 ’252.00%Q2 ’26-7%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.86%1.77%1.74%1.88%1.81%1.75%1.53%1.65%-23 bps
Return on Equity13.48%12.94%13.02%13.76%13.14%12.85%11.86%12.59%-117 bps
Net Interest Margin4.26%4.13%4.12%4.19%4.12%4.04%3.95%3.95%-24 bps
Efficiency Ratio46.71%48.18%48.03%44.50%46.27%47.57%51.81%49.17%+466 bps
Non-Interest Burden1.92%1.90%1.91%1.80%1.83%1.85%1.99%1.88%+9 bps
Growth
Asset Growth (YoY)6.73%6.02%7.29%5.18%4.99%5.97%10.08%10.38%+520 bps
Loan Growth (YoY)12.07%9.54%7.33%7.94%12.67%13.99%11.16%9.84%+190 bps
Deposit Growth (YoY)7.38%6.76%8.44%9.59%9.22%10.29%15.27%11.98%+239 bps
Asset Quality
Nonperforming Loans / Loans0.36%0.33%0.23%1.17%1.10%0.49%0.53%0.29%-88 bps
Net Charge-Offs / Loans-0.01%-0.01%0.05%0.02%0.02%0.01%0.00%0.01%-1 bps
Allowance / Loans0.67%0.75%0.73%0.71%0.67%0.73%0.74%0.72%+1 bps
Allowance Coverage of NPLs1.9x2.3x3.2x0.6x0.6x1.5x1.4x2.5x+1.9x
Capital
Tier 1 Leverage Ratio14.62%13.10%13.59%14.24%14.43%12.87%13.24%13.39%-85 bps
Total Risk-Based Capital14.62%13.10%13.59%14.24%14.43%12.87%13.24%13.39%-85 bps
Equity / Assets14.15%13.09%13.63%14.31%14.12%12.94%12.91%13.51%-80 bps
Liquidity & Funding
Loans / Deposits105.47%104.18%105.88%107.86%108.80%107.67%102.11%105.79%-206 bps
Liquid Assets / Assets5.73%6.01%8.29%4.35%4.08%3.25%2.38%2.96%-138 bps
CRE / Total Capitaln/an/an/an/a173.61%187.51%182.90%n/an/a

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. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Delight

Delight, AR · Cert 99 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 4 branches

Q2 2026

$201.0MAssets
$179.0MLoans
$169.2MDeposits
$27.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 89% of banks under $1B in assets (rank 68 of 629).
  • Widest gap: total risk-based capital ratio trails 58% of banks under $1B in assets (rank 367 of 629).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.64%

Rank 124 of 629

Net Interest Margin

3.95%

Rank 184 of 629

Efficiency Ratio

49.17%

Rank 68 of 629

Equity / Assets

13.51%

Rank 168 of 629

Non-interest income vs. expense

$0.2M$4.1MINCOMEEXPENSE
Unfavorable gap of $3.8M · efficiency ratio beats 89% of banks under $1B in assets
Bank 49.17%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.64%0.60%1.01%1.45%Beats 80%124 / 629
Return on Equity12.15%5.38%9.30%13.28%Beats 68%200 / 629
Net Interest Margin3.95%3.03%3.54%4.05%Beats 71%184 / 629
Efficiency Ratio49.17%58.35%67.79%79.08%Beats 89%68 / 629
Asset Quality
Nonperforming Loans / Loans0.29%0.09%0.46%1.20%Beats 58%244 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 55%262 / 581
Capital
Tier 1 Capital Ratio13.39%11.24%13.84%18.77%Beats 47%336 / 629
Total Risk-Based Capital Ratio13.39%11.58%14.43%19.66%Beats 42%367 / 629
Equity / Assets13.51%9.09%10.65%13.80%Beats 73%168 / 629
Liquidity & Funding
Loans / Deposits105.79%67.24%80.90%93.48%92nd pctl46 / 594
Loans / Assets89.06%53.31%67.71%78.15%99th pctl9 / 629
Brokered Deposits / Depositsn/aNot reported for this institution