The Delaware National Bank of Delhi: 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 Reserve coverage of non-performing loans: 8.73 percentage points higher than in Q1 2026, at 84.05%. Within New York, The Delaware National Bank of Delhi is 65th of 105 on return on assets, 0.81% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Delaware National Bank of Delhi sits 0.44 points lower, at 0.81% (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 | 9.61% |
| Equity capital to assets | 8.03% |
| Tangible equity to tangible assets | 8.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.60% |
| Non-performing assets ratio | 0.42% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.11% |
| Allowance for credit losses to loans | 0.50% |
| Reserve coverage of non-performing loans | 84.05% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.81% |
| Return on equity | 10.39% |
| Net interest margin | 2.57% |
| Efficiency ratio | 64.32% |
| Yield on earning assets | 3.95% |
| Cost of funds | 1.46% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.83% |
| Core deposits to total deposits | 83.05% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.75% |
| Securities to assets | 20.79% |
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 | 9.94% | 0.50% | 2.19% | 0.48% | 0.02% |
| Q4 2023 | 9.91% | 0.35% | 2.03% | 0.45% | -0.01% |
| Q1 2024 | 10.09% | 0.46% | 2.16% | 0.38% | 0.02% |
| Q2 2024 | 10.04% | 0.41% | 2.15% | 0.35% | -0.02% |
| Q3 2024 | 10.25% | 0.49% | 2.18% | 0.34% | 0.00% |
| Q4 2024 | 10.31% | 0.51% | 2.24% | 0.50% | 0.00% |
| Q1 2025 | 9.91% | 0.52% | 2.25% | 0.57% | 0.02% |
| Q2 2025 | 9.97% | 0.58% | 2.30% | 0.64% | 0.02% |
| Q3 2025 | 10.09% | 0.69% | 2.44% | 0.70% | 0.00% |
| Q4 2025 | 10.03% | 0.83% | 2.54% | 0.72% | -0.01% |
| Q1 2026 | 9.80% | 0.76% | 2.57% | 0.67% | -0.00% |
| Q2 2026 | 9.61% | 0.81% | 2.57% | 0.60% | 0.00% |
The Delaware National Bank of Delhi vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Delaware National Bank of Delhi, 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 The Delaware National Bank of Delhi profile, peer group comparison, or how this data updates.
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