Adelphi Bank
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Data as of · sourced from FFIEC call reports. How we update
Adelphi Bank is an FDIC-insured commercial bank headquartered in Columbus, OH, established in 2023 (FDIC certificate 59292), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $124.5M, up 42.1% from Q2 2025, the 119th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.82% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59292
- Headquarters
- Columbus, OH
- Established
- 2023
- Total assets, Q2 2026
- $124.5M
- Assets vs Q2 2025
- +42.1%
- Tier 1 leverage ratio, Q2 2026
- 15.82%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 044015996
- Asset rank in state
- 119th of 154 in Ohio
Adelphi Bank spends more to run itself than most banks of its size. It reported $124 million in assets at June 30, 2026, up 42.1% from a year earlier. It earns about $0.10 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 88 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Deposits are coming in faster than loans: over the year loans rose 44.7% and deposits rose 54.7%. The commercial and industrial book ($24 million) is worsening: 1.04% of it is past due or on nonaccrual, up from 0.52% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for banks its size.
As of June 30, 2026, Adelphi Bank reported a return on assets of 0.10%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, Adelphi Bank is the 119th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 6.4% to $124.5M, loans rose 4.9% and deposits rose 7.6%. Construction and land development loans made up 27.1% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 24.2%. The FDIC Summary of Deposits lists a single office for it, in Columbus, OH. Judged on its Q2 2026 call report, Adelphi Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 800 E Long St, Columbus, OH 43203
- County
- Franklin
- Metro Area
- Columbus, OH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 18, 2023
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $104.2M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $118.8M
- Average total loans
- $93.8M
- Average interest-bearing deposits
- $95.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 18, 2023
- FDIC Cert
- 59292
- Fed RSSD
- 5777549
- Website
- https://www.adelphibank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Adelphi Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Adelphi Bank's total assets ranged from $34.8M (Q3 2023) to $124.5M (Q2 2026), and it earned a profit in 2 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$124.5M total assets against $87.6M; $105.6M total liabilities against $68.7M.
$97.1M net loans and leases against $67.2M; $104.2M total deposits against $67.4M.
$3.9M securities against $1.6M; $21.3M cash and balances due against $16.7M.
$1.9M total interest income against $1.4M; $575K total interest expense against $324K.
$1.3M net interest income against $1.0M.
$38K total noninterest income against $23K; $1.2M total noninterest expense against $1.2M.
$128K provision for credit losses against $156K.
$31K net income against -$271K.
0.10% return on assets against -1.35%; 4.61% net interest margin against 5.32%.
15.82% tier 1 leverage ratio against 23.51%.
Inside the full Adelphi Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Adelphi Bank rankings
Its closest position to the top of a national ranking is 3,480 of 4,196, for total assets; its furthest is 3,611 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -3.31% (Q3 2024) to 0.15% (Q1 2026) and its net interest margin ran from 4.61% (Q2 2026) to 5.90% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.82% | 0.10% | 0.00% | 0.00% | 4.61% |
| Q1 2026 | 16.52% | 0.15% | 0.00% | 0.00% | 4.71% |
| Q4 2025 | 19.62% | -0.62% | 0.00% | 0.00% | 5.11% |
| Q3 2025 | 20.59% | -0.69% | 0.00% | 0.00% | 5.01% |
| Q2 2025 | 23.51% | -1.35% | 0.00% | 0.00% | 5.32% |
| Q1 2025 | 25.98% | -2.59% | 0.00% | 0.00% | 5.15% |
| Q4 2024 | 29.93% | -1.93% | 0.00% | 0.00% | 5.33% |
| Q3 2024 | 34.46% | -3.31% | 0.00% | 0.00% | 5.90% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Adelphi Bank (main office) | Columbus , OH | 43203 | $104.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 136 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $244K approved, $244K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Adelphi Bank
What are Adelphi Bank's total assets?
As of the Q2 2026 filing, Adelphi Bank reported total assets of $124.5 million in its FFIEC call report.
Where is Adelphi Bank headquartered?
It is headquartered in Columbus, OH, United States.
When was Adelphi Bank founded?
It was established in 2023, per the FDIC institution directory.
Is Adelphi Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59292). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Adelphi Bank?
Adelphi Bank's primary federal regulator is the FDIC.
How many branches does Adelphi Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Adelphi Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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