Delight, AR · Cert 99
State charter, non-member · FDIC · 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 | 1.88% | 1.81% | 1.75% | 1.53% | 1.65% | -23 bps | |
| Return on Equity | 13.76% | 13.14% | 12.85% | 11.86% | 12.59% | -117 bps | |
| Net Interest Margin | 4.19% | 4.12% | 4.04% | 3.95% | 3.95% | -24 bps | |
| Efficiency Ratio | 44.50% | 46.27% | 47.57% | 51.81% | 49.17% | +466 bps | |
| Non-Interest Burden | 1.80% | 1.83% | 1.85% | 1.99% | 1.88% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.18% | 4.99% | 5.97% | 10.08% | 10.38% | +520 bps | |
| Loan Growth (YoY) | 7.94% | 12.67% | 13.99% | 11.16% | 9.84% | +190 bps | |
| Deposit Growth (YoY) | 9.59% | 9.22% | 10.29% | 15.27% | 11.98% | +239 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.17% | 1.10% | 0.49% | 0.53% | 0.29% | -88 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.01% | 0.00% | 0.01% | -1 bps | |
| Allowance / Loans | 0.71% | 0.67% | 0.73% | 0.74% | 0.72% | +1 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 1.5x | 1.4x | 2.5x | +1.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.24% | 14.43% | 12.87% | 13.24% | 13.39% | -85 bps | |
| Total Risk-Based Capital | 14.24% | 14.43% | 12.87% | 13.24% | 13.39% | -85 bps | |
| Equity / Assets | 14.31% | 14.12% | 12.94% | 12.91% | 13.51% | -80 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 107.86% | 108.80% | 107.67% | 102.11% | 105.79% | -206 bps | |
| Liquid Assets / Assets | 4.35% | 4.08% | 3.25% | 2.38% | 2.96% | -138 bps | |
| CRE / Total Capital | n/a | 173.61% | 187.51% | 182.90% | n/a | n/a | |