The Delaware National Bank of Delhi
Also written as DNB of Delhi
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Data as of · sourced from FFIEC call reports. How we update
The Delaware National Bank of Delhi is an FDIC-insured commercial bank headquartered in Delhi, NY, established in 1839 (FDIC certificate 7025), and it is supervised by the OCC. At Q2 2026 it reported total assets of $384.1M, up 3.2% from Q2 2025, the 76th largest of 105 banks headquartered in New York. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.61% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 7025
- Headquarters
- Delhi, NY
- Established
- 1839
- Total assets, Q2 2026
- $384.1M
- Assets vs Q2 2025
- +3.2%
- Tier 1 leverage ratio, Q2 2026
- 9.61%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 021307096
- Latest call report
- Q2 2026, FFIEC 051 · The Delaware National Bank of Delhi Q3 2026 call report, filed October 14, 2026 (preliminary)
- Holding company
- DELHI BANK CORP.
- Asset rank in state
- 76th of 105 in New York
The Delaware National Bank of Delhi, based in Delhi, New York, reported $384 million in assets at June 30, 2026, up 3.2% from a year earlier. It keeps 2.57 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also earns about $0.81 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
Earnings jumped: net income for the quarter was $805,000, 45% above the same quarter a year earlier. Unrealized losses on its securities total $9.1 million, equal to 24% of Tier 1 capital, against 28% a year earlier. Where it has less room is capital: it funds 9.61% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Delaware National Bank of Delhi reported a return on assets of 0.81%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 5.11%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, The Delaware National Bank of Delhi is the 76th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 5.8% to $384.1M, loans rose 1.2% and deposits fell 6.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 56.8% of total loans, ahead of farmland and other real estate loans at 26.3%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in NY; its Delhi office books 65% of its branch deposits. Judged on its Q2 2026 call report, The Delaware National Bank of Delhi meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 124 Main St, Delhi, NY 13753
- County
- Delaware
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1839
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $348.6M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $395.5M
- Average total loans
- $267.3M
- Average interest-bearing deposits
- $276.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7025
- Fed RSSD
- 236603
- SEC CIK
- 927719 → filed by DELHI BANK CORP.
- Website
- www.dnbd.bank →
- Parent Holding Company
- DELHI BANK CORP. (RSSD 2263331) · DWNX
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, The Delaware National Bank of Delhi 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, The Delaware National Bank of Delhi's total assets ran between $359.6M (Q3 2024) and $407.6M (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
$384.1M total assets against $372.3M; $353.3M total liabilities against $342.8M.
$266.5M net loans and leases against $259.4M; $348.6M total deposits against $338.3M.
$79.9M securities against $73.6M; $19.6M cash and balances due against $21.4M.
$3.7M total interest income against $3.5M; $1.3M total interest expense against $1.4M.
$2.4M net interest income against $2.1M.
$482K total noninterest income against $401K; $1.9M total noninterest expense against $1.8M.
$30K provision for credit losses against $15K.
$805K net income against $557K.
0.81% return on assets against 0.58%; 2.57% net interest margin against 2.30%.
9.61% tier 1 leverage ratio against 9.97%.
Inside the full The Delaware National Bank of Delhi terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Delaware National Bank of Delhi rankings
Its closest position to the top of a national ranking is 1,317 of 3,640, for Texas Ratio; its furthest is 2,866 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.49% (Q3 2024) to 0.83% (Q4 2025) and its net interest margin ran from 2.18% (Q3 2024) to 2.57% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.61% | 0.81% | 0.60% | 5.11% | 2.57% |
| Q1 2026 | 9.80% | 0.76% | 0.67% | 5.60% | 2.57% |
| Q4 2025 | 10.03% | 0.83% | 0.75% | 6.02% | 2.54% |
| Q3 2025 | 10.09% | 0.69% | 0.70% | 5.56% | 2.44% |
| Q2 2025 | 9.97% | 0.58% | 0.64% | 5.55% | 2.30% |
| Q1 2025 | 9.91% | 0.52% | 0.57% | 4.94% | 2.25% |
| Q4 2024 | 10.31% | 0.51% | 0.50% | 4.56% | 2.24% |
| Q3 2024 | 10.25% | 0.49% | 0.34% | 2.76% | 2.18% |
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 |
|---|---|---|---|
| The Delaware National Bank of Delhi | Delhi , NY | 13753 | $227.6M |
| Margaretville Branch | Margaretville , NY | 12455 | $60.8M |
| Davenport Branch | Davenport , NY | 13750 | $43.5M |
| Hobart Branch | Hobart , NY | 13788 | $16.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 115 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $35K approved, $35K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (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 The Delaware National Bank of Delhi
What are The Delaware National Bank of Delhi's total assets?
As of the Q2 2026 filing, The Delaware National Bank of Delhi reported total assets of $384.1 million in its FFIEC call report.
Where is The Delaware National Bank of Delhi headquartered?
It is headquartered in Delhi, NY, United States.
When was The Delaware National Bank of Delhi founded?
It was established in 1839, per the FDIC institution directory.
Is The Delaware National Bank of Delhi FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7025). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Delaware National Bank of Delhi?
The Delaware National Bank of Delhi's primary federal regulator is the OCC.
How many branches does The Delaware National Bank of Delhi operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Delaware National Bank of Delhi's Texas Ratio?
Its Texas Ratio is 5.11% 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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