Delta Bank
BankRegReports is independent of Delta Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Delta Bank is an FDIC-insured commercial bank headquartered in Vidalia, LA, established in 1986 (FDIC certificate 26564), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $632.0M, up 2.1% from Q2 2025, the 33rd largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.04% 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
- 26564
- Headquarters
- Vidalia, LA
- Established
- 1986
- Total assets, Q2 2026
- $632.0M
- Assets vs Q2 2025
- +2.1%
- Tier 1 leverage ratio, Q2 2026
- 10.04%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 111101144
- Latest call report
- Q2 2026, FFIEC 051 · Delta Bank call report
- Holding company
- CENTRAL LOUISIANA CAPITAL CORPORATION
- Asset rank in state
- 33rd of 102 in Louisiana
Delta Bank is one of the more profitable banks of its size. Based in Vidalia, Louisiana, it had $632 million in assets at June 30, 2026, up 2.1% from a year earlier. It returns 20.2% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it carries problem assets equal to 8.6% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size. A wide margin does most of the work: it keeps 4.42 cents of net interest income on every dollar of earning assets.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.04% of loans from 1.74%. Deposits are coming in faster than loans: over the year loans rose 1.6% and deposits rose 6.0%. One more trend to watch: net income for the quarter slipped 11% from a year earlier, to $3.1 million.
As of June 30, 2026, Delta Bank reported a return on assets of 1.99%, a nonperforming-loan ratio of 1.04% and a Texas ratio of 8.59%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Delta Bank is the 33rd largest of the 102 banks headquartered in Louisiana. From Q1 2026 to Q2 2026, its total assets rose 2.2% to $632.0M, loans rose 6.7% and deposits rose 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 29.9% of total loans, followed by agricultural production loans at 21.3%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities across 2 states; its Vidalia office books 28% of its branch deposits. By the capital ratios in its Q2 2026 call report, Delta Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1617 Carter St, Vidalia, LA 71373
- County
- Concordia
- Metro Area
- Natchez, MS-LA
- 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 11, Dallas
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 10, 1986
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 91
- Domestic deposits
- $558.5M
- Allowance for credit losses
- $3.7M
- Net charge-offs (YTD)
- $54K
- Average total assets
- $619.3M
- Average total loans
- $461.3M
- Average interest-bearing deposits
- $459.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 10, 1986
- FDIC Cert
- 26564
- Fed RSSD
- 975256
- Website
- www.deltabk.com →
- Parent Holding Company
- CENTRAL LOUISIANA CAPITAL CORPORATION (RSSD 1109571)
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, Delta Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Delta Bank's total assets ranged from $548.4M (Q4 2023) to $632.0M (Q2 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
$632.0M total assets against $619.2M; $570.2M total liabilities against $560.6M.
$471.0M net loans and leases against $464.2M; $558.5M total deposits against $526.9M.
$125.6M securities against $126.9M; $16.7M cash and balances due against $8.1M.
$9.0M total interest income against $8.9M; $2.6M total interest expense against $2.9M.
$6.4M net interest income against $6.0M.
$936K total noninterest income against $1.7M; $4.0M total noninterest expense against $4.0M.
$300K provision for credit losses against $225K.
$3.1M net income against $3.5M.
1.99% return on assets against 2.29%; 4.42% net interest margin against 4.23%.
10.04% tier 1 leverage ratio against 9.70%.
Inside the full Delta Bank 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Delta Bank rankings
Its closest position to the top of a national ranking is 494 of 3,611, for ROA; its furthest is 1,486 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.58% (Q4 2024) to 2.29% (Q2 2025) and its net interest margin ran from 3.75% (Q3 2024) to 4.42% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.04% | 1.99% | 1.04% | 8.59% | 4.42% |
| Q1 2026 | 9.92% | 1.87% | 1.00% | 8.00% | 4.37% |
| Q4 2025 | 10.09% | 1.79% | 2.33% | 16.43% | 4.29% |
| Q3 2025 | 9.54% | 1.69% | 1.99% | 14.62% | 4.05% |
| Q2 2025 | 9.70% | 2.29% | 1.74% | 13.28% | 4.23% |
| Q1 2025 | 10.04% | 1.66% | 1.30% | 9.35% | 4.10% |
| Q4 2024 | 9.79% | 1.58% | 0.85% | 5.97% | 3.93% |
| Q3 2024 | 9.19% | 1.90% | 0.36% | 2.90% | 3.75% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Delta Bank (main office) | Vidalia , LA | 71373 | $155.6M |
| Lake Providence Branch | Lake Providence , LA | 71254 | $136.9M |
| Louisiana Central Bank Branch | Ferriday , LA | 71334 | $95.4M |
| South Cedar Branch | Tallulah , LA | 71282 | $67.0M |
| Vicksburg Branch | Vicksburg , MS | 39180 | $53.3M |
| Delta Bank Natchez | Natchez , MS | 39120 | $44.6M |
| Delta - Bank Bastrop Branch | Bastrop , LA | 71220 | $5.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2002 | Structure Change | Acquired Louisiana Central Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 11, 1986 | Structure Change | Acquired Bank of Dixie Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 10, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in LA, rank 44 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $584K approved, $292K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (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
Add this badge to your website
Free to use. It shows Delta Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Delta Bank
What are Delta Bank's total assets?
As of the Q2 2026 filing, Delta Bank reported total assets of $632.0 million in its FFIEC call report.
Where is Delta Bank headquartered?
It is headquartered in Vidalia, LA, United States.
When was Delta Bank founded?
It was established in 1986, per the FDIC institution directory.
Is Delta Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26564). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Delta Bank?
Delta Bank's primary federal regulator is the FDIC.
How many branches does Delta Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Delta Bank's Texas Ratio?
Its Texas Ratio is 8.59% 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.
Go deeper on Delta Bank.
Get an email when Delta Bank files its next call report, and benchmark it against any peer you choose.
Unlock Delta Bank, freeFree account