BANK OF DELIGHT

DELIGHT, AR | Small | Est. June 16, 1911, midnight | FDIC #99 | RSSD #455945 | FDIC
Latest Report: 2025-12-31

BANK OF DELIGHT is asn small FDIC-insured commercial bank headquartered in DELIGHT, AR, established in June 16, 1911, midnight. As of 2025-12-31, the bank reported total assets of $195M and total deposits of $165M. Profitability stands at 1.87% ROA and 13.82% ROE, with a net interest margin of 4.91%. The bank's CET1 capital ratio is 12.94%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.49% and a Texas Ratio of 3.25%. FDIC Certificate #99.

Assets

$195M

Deposits

$165M

Loans

$178M

Equity

$25M

Profitability

Return on Assets (ROA) 1.87%
Return on Equity (ROE) 13.82%
Net Interest Margin (NIM) 4.91%
Yield on Assets 7.43%
Cost of Funds 2.69%

Asset Quality

NPL Ratio 0.49%
Net Charge-Off Ratio 0.01%
Texas Ratio 3.25%
NPA Ratio 0.44%
ACL / Loans 0.73%

Capital & Liquidity

CET1 Ratio 12.94%
Tier 1 Capital 12.94%
Total Capital Ratio 13.59%
Leverage Ratio 12.87%
Loan-to-Deposit 107.67%

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