Adelphi Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Core deposits to total deposits: 3.83 percentage points higher than in Q1 2026, at 76.09%. On return on assets, Adelphi Bank is 12th from the bottom among 156 Ohio banks, 0.10% (Q2 2026). Adelphi Bank's return on assets of 0.10% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.15 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.82% |
| Equity capital to assets | 15.15% |
| Tangible equity to tangible assets | 15.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.40% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.10% |
| Return on equity | 0.66% |
| Net interest margin | 4.61% |
| Efficiency ratio | 88.44% |
| Yield on earning assets | 6.60% |
| Cost of funds | 2.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.47% |
| Core deposits to total deposits | 76.09% |
| Brokered deposits to total deposits | 23.91% |
| Deposits to assets | 83.73% |
| Securities to assets | 3.16% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 64.74% | -8.73% | 5.29% | 0.00% | 0.00% |
| Q4 2023 | 49.26% | -2.10% | 5.82% | 0.00% | 0.00% |
| Q1 2024 | 44.93% | -3.37% | 5.64% | 0.00% | 0.00% |
| Q2 2024 | 39.60% | -4.21% | 6.07% | 0.00% | 0.00% |
| Q3 2024 | 34.46% | -3.31% | 5.90% | 0.00% | 0.00% |
| Q4 2024 | 29.93% | -1.93% | 5.33% | 0.00% | 0.00% |
| Q1 2025 | 25.98% | -2.59% | 5.15% | 0.00% | 0.01% |
| Q2 2025 | 23.51% | -1.35% | 5.32% | 0.00% | 0.00% |
| Q3 2025 | 20.59% | -0.69% | 5.01% | 0.00% | 0.00% |
| Q4 2025 | 19.62% | -0.62% | 5.11% | 0.00% | 0.00% |
| Q1 2026 | 16.52% | 0.15% | 4.71% | 0.00% | 0.00% |
| Q2 2026 | 15.82% | 0.10% | 4.61% | 0.00% | 0.00% |
Adelphi Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Adelphi Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Adelphi Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59292) · FFIEC NIC profile (RSSD 5777549)