The Delaware National Bank of Delhi: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.67 percentage points higher than in Q1 2026, at 76.83%. The Delaware National Bank of Delhi ranks 70th of 105 New York banks on loan-to-deposit ratio, in the lower half at 76.83% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Delaware National Bank of Delhi sits 4.01 points lower, at 76.83% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $267.8M |
| Net loans and leases | $266.5M |
| Loans held for sale | $0 |
| Loans to total assets | 69.72% |
| Loan-to-deposit ratio | 76.83% |
| Net loans to equity capital | 8.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.31% |
| Multifamily (5+ residential) | 1.32% |
| Commercial and industrial | 3.52% |
| Consumer | 1.15% |
| Credit cards | 0.26% |
| Farm | 26.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 54.84% |
| Construction concentration (Tier 1 capital + allowance) | 1.29% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.40% |
| Interest income on loans | $2.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $252.4M | $315.3M | 10.82% | 5.26% | 1.55% |
| Q4 2023 | $255.6M | $322.6M | 10.61% | 5.41% | 1.56% |
| Q1 2024 | $254.0M | $339.5M | 10.31% | 5.01% | 1.50% |
| Q2 2024 | $255.0M | $330.6M | 10.60% | 4.60% | 1.40% |
| Q3 2024 | $257.5M | $321.9M | 10.28% | 4.44% | 1.34% |
| Q4 2024 | $257.4M | $335.2M | 10.20% | 4.08% | 1.30% |
| Q1 2025 | $259.1M | $352.0M | 10.06% | 3.97% | 1.25% |
| Q2 2025 | $260.7M | $338.3M | 9.78% | 4.08% | 1.20% |
| Q3 2025 | $259.4M | $333.9M | 9.54% | 3.78% | 1.22% |
| Q4 2025 | $261.6M | $334.4M | 9.34% | 3.70% | 1.21% |
| Q1 2026 | $264.6M | $371.9M | 10.57% | 3.65% | 1.21% |
| Q2 2026 | $267.8M | $348.6M | 10.31% | 3.52% | 1.15% |
The Delaware National Bank of Delhi loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Delaware National Bank of Delhi, freeSource: Call Report Schedule RC-C, 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 The Delaware National Bank of Delhi profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7025) · FFIEC NIC profile (RSSD 236603)