Bank of Delight: 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.
Reserve coverage of non-performing loans climbed 95.93 percentage points in Q2 2026, from 158.50% to 254.42%. It was the largest change from Q1 2026 among the key lines here. Among 78 Arkansas banks, Bank of Delight sits 6th from the top on return on assets, 2.15% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Bank of Delight reported 2.15% on return on assets in Q2 2026, 0.89 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.39% |
| Equity capital to assets | 13.51% |
| Tangible equity to tangible assets | 13.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.28% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 1.80% |
| Allowance for credit losses to loans | 0.72% |
| Reserve coverage of non-performing loans | 254.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.15% |
| Return on equity | 16.36% |
| Net interest margin | 4.17% |
| Efficiency ratio | 46.34% |
| Yield on earning assets | 6.47% |
| Cost of funds | 2.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.79% |
| Core deposits to total deposits | 85.94% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.19% |
| Securities to assets | 3.13% |
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 | 14.23% | 1.64% | 4.35% | 0.21% | 0.50% |
| Q4 2023 | 13.33% | 2.05% | 4.41% | 0.25% | -0.52% |
| Q1 2024 | 13.89% | 2.06% | 4.35% | 0.52% | -0.04% |
| Q2 2024 | 14.42% | 2.47% | 4.54% | 0.35% | -0.00% |
| Q3 2024 | 14.62% | 2.34% | 4.57% | 0.36% | 0.00% |
| Q4 2024 | 13.10% | 1.78% | 4.39% | 0.33% | -0.00% |
| Q1 2025 | 13.59% | 2.12% | 4.24% | 0.23% | 0.05% |
| Q2 2025 | 14.24% | 2.49% | 4.35% | 0.24% | -0.00% |
| Q3 2025 | 14.43% | 2.08% | 4.27% | 1.10% | 0.01% |
| Q4 2025 | 12.87% | 1.83% | 4.55% | 0.49% | 0.00% |
| Q1 2026 | 13.24% | 1.88% | 3.98% | 0.47% | 0.00% |
| Q2 2026 | 13.39% | 2.15% | 4.17% | 0.28% | 0.02% |
Bank of Delight vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Delight, 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 Bank of Delight profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 99) · FFIEC NIC profile (RSSD 455945)