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
Unfavorable gap of $3.8M · efficiency ratio beats 89% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.60% | 1.01% | 1.45% | Beats 80% | 124 / 629 | |
| Return on Equity | 12.15% | 5.38% | 9.30% | 13.28% | Beats 68% | 200 / 629 | |
| Net Interest Margin | 3.95% | 3.03% | 3.54% | 4.05% | Beats 71% | 184 / 629 | |
| Efficiency Ratio | 49.17% | 58.35% | 67.79% | 79.08% | Beats 89% | 68 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.09% | 0.46% | 1.20% | Beats 58% | 244 / 581 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 55% | 262 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 13.39% | 11.24% | 13.84% | 18.77% | Beats 47% | 336 / 629 | |
| Total Risk-Based Capital Ratio | 13.39% | 11.58% | 14.43% | 19.66% | Beats 42% | 367 / 629 | |
| Equity / Assets | 13.51% | 9.09% | 10.65% | 13.80% | Beats 73% | 168 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 105.79% | 67.24% | 80.90% | 93.48% | 92nd pctl | 46 / 594 | |
| Loans / Assets | 89.06% | 53.31% | 67.71% | 78.15% | 99th pctl | 9 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |