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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 1.76%, down 26 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.29% of loans (-88 bps YoY), with net charge-offs at 0.02%.
  • 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 (quarter, annualized)

1.76%-26 bps YoY

Net Interest Margin (quarter, annualized)

4.05%-18 bps YoY

Efficiency Ratio (quarter, annualized)

46.65%+561 bps YoY

Tier 1 Leverage Ratio

13.39%-85 bps YoY

NIM

6.52%Q2 ’246.51%Q2 ’256.29%Q2 ’26-4%-4%

Non-interest income vs. expense

1.98%Q2 ’241.79%Q2 ’251.95%Q2 ’26-10%+10%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.91%1.48%1.74%2.02%1.70%1.55%1.53%1.76%-26 bps
Return on Equity13.44%10.86%13.02%14.48%11.96%11.45%11.86%13.31%-117 bps
Net Interest Margin4.44%4.27%4.12%4.23%4.14%4.43%3.95%4.05%-18 bps
Efficiency Ratio46.88%52.25%48.03%41.04%49.75%51.03%51.81%46.65%+561 bps
Non-Interest Burden2.01%2.08%1.91%1.66%1.98%2.20%1.99%1.82%+17 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 / Loans0.00%0.00%0.05%0.00%0.01%0.00%0.00%0.02%+3 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