ADELPHI BANK

COLUMBUS, OH | Small | Est. Jan. 18, 2023, midnight | FDIC #59292 | RSSD #5777549 | FDIC
Latest Report: 2025-12-31

ADELPHI BANK is asn small FDIC-insured commercial bank headquartered in COLUMBUS, OH, established in Jan. 18, 2023, midnight. As of 2025-12-31, the bank reported total assets of $106M and total deposits of $86M. Profitability stands at -0.60% ROA and -3.17% ROE, with a net interest margin of 5.17%. The bank's CET1 capital ratio is 17.68%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #59292.

Assets

$106M

Deposits

$86M

Loans

$87M

Equity

$19M

Profitability

Return on Assets (ROA) -0.60%
Return on Equity (ROE) -3.17%
Net Interest Margin (NIM) 5.17%
Yield on Assets 7.08%
Cost of Funds 2.21%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 17.68%
Tier 1 Capital 17.68%
Total Capital Ratio 18.56%
Leverage Ratio 19.62%
Loan-to-Deposit 101.37%

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