Bank of Delight
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Data as of · sourced from FFIEC call reports. How we update
Bank of Delight is an FDIC-insured commercial bank headquartered in Delight, AR, established in 1911 (FDIC certificate 99), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $201.0M, up 10.4% from Q2 2025, the 63rd largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.39% 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
- 99
- Headquarters
- Delight, AR
- Established
- 1911
- Total assets, Q2 2026
- $201.0M
- Assets vs Q2 2025
- +10.4%
- Tier 1 leverage ratio, Q2 2026
- 13.39%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 082903264
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Delight call report
- Asset rank in state
- 63rd of 78 in Arkansas
Bank of Delight is one of the more profitable banks of its size. It reported $201 million in assets at June 30, 2026, up 10.4% from a year earlier. It earns about $2.15 a year on every $100 of assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). On the other hand, it pays an average of 2.63% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%). Much of that comes from cost control: it spends about 46 cents to bring in each dollar of revenue.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.29% of loans from 1.17%.
As of June 30, 2026, Bank of Delight reported a return on assets of 2.15%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 1.80%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, Bank of Delight is the 63rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.9% to $201.0M, loans rose 2.0% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 30.1% of total loans, followed by 1-4 family residential loans at 23.8%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in AR; its Prescott office books 51% of its branch deposits. On its Q2 2026 call report, Bank of Delight meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 503 E Antioch St, Delight, AR 71940
- County
- Pike
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 16, 1911
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $169.2M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $11K
- Average total assets
- $203.3M
- Average total loans
- $176.4M
- Average interest-bearing deposits
- $144.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 99
- Fed RSSD
- 455945
- Website
- www.bankofdelight.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, Bank of Delight reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Delight's total assets ran between $170.2M (Q3 2023) and $202.9M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$201.0M total assets against $182.1M; $173.9M total liabilities against $156.1M.
$177.7M net loans and leases against $161.8M; $169.2M total deposits against $151.1M.
$6.3M securities against $9.7M; $13.1M cash and balances due against $7.1M.
$3.2M total interest income against $3.0M; $1.1M total interest expense against $1.0M.
$2.1M net interest income against $1.9M.
$62K total noninterest income against $61K; $989K total noninterest expense against $820K.
$0 provision for credit losses against $0.
$1.1M net income against $1.1M.
2.15% return on assets against 2.49%; 4.17% net interest margin against 4.35%.
13.39% tier 1 leverage ratio against 14.24%.
Inside the full Bank of Delight 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Bank of Delight rankings
Its closest position to the top of a national ranking is 354 of 3,611, for ROA; its furthest is 2,958 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.78% (Q4 2024) to 2.49% (Q2 2025) and its net interest margin ran from 3.98% (Q1 2026) to 4.57% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.39% | 2.15% | 0.29% | 1.80% | 4.17% |
| Q1 2026 | 13.24% | 1.88% | 0.53% | 3.36% | 3.98% |
| Q4 2025 | 12.87% | 1.83% | 0.49% | 3.25% | 4.55% |
| Q3 2025 | 14.43% | 2.08% | 1.10% | 6.78% | 4.27% |
| Q2 2025 | 14.24% | 2.49% | 1.17% | 7.46% | 4.35% |
| Q1 2025 | 13.59% | 2.12% | 0.23% | 1.85% | 4.24% |
| Q4 2024 | 13.10% | 1.78% | 0.33% | 3.08% | 4.39% |
| Q3 2024 | 14.62% | 2.34% | 0.36% | 2.57% | 4.57% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → 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 |
|---|---|---|---|
| Prescott Branch | Prescott , AR | 71857 | $86.1M |
| Bank of Delight (main office) | Delight , AR | 71940 | $60.2M |
| Gurdon Branch | Gurdon , AR | 71743 | $22.5M |
| Hope Branch | Hope , AR | 71801 | $424K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in AR, rank 75 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (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 Bank of Delight
What are Bank of Delight's total assets?
As of the Q2 2026 filing, Bank of Delight reported total assets of $201.0 million in its FFIEC call report.
Where is Bank of Delight headquartered?
It is headquartered in Delight, AR, United States.
When was Bank of Delight founded?
It was established in 1911, per the FDIC institution directory.
Is Bank of Delight FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #99). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Delight?
Bank of Delight's primary federal regulator is the FDIC.
How many branches does Bank of Delight operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Delight's Texas Ratio?
Its Texas Ratio is 1.80% 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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