Delta Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Delta Bank of Vidalia, LA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.99% | 1.34% | +0.65% | 85th top |
| ROAE | 20.19% | 13.31% | +6.88% | 87th top |
| Net Interest Margin | 4.42% | 3.93% | +0.49% | 76th top |
| Efficiency Ratio | 53.24% | 61.14% | -7.90% | 74th above |
| PPNR / Avg Assets | 2.16% | 1.68% | +0.48% | 78th top |
| Yield on Earning Assets | 6.14% | 5.67% | +0.47% | 75th top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.86% | 1.88% | -0.02% | 46th below |
| Net Interest Spread | 3.92% | 3.32% | +0.60% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.78% | 0.94% | -0.16% | 34th below |
| NPA / Total Assets | 0.70% | 0.70% | +0.00% | 30th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 24th bottom |
| ACL / Total Loans | 0.77% | 1.28% | -0.51% | 9th bottom |
| ACL / NPLs (Coverage) | 98.23% | 1539.64% | -1441.41% | 27th below |
| Texas Ratio | 10.06% | 7.33% | +2.73% | 22nd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 725.93% | 1396.11% | -670.18% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.04% | 12.14% | -2.10% | 33rd below |
| Equity / Assets | 9.77% | 11.38% | -1.61% | 40th below |
| TCE / Tangible Assets | 9.76% | 11.09% | -1.33% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.99% | 80.63% | +4.36% | 40th below |
| Core Deposit Ratio | 78.54% | 86.87% | -8.33% | 13th bottom |
| Wholesale Funding Ratio | 1.58% | 5.04% | -3.46% | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.06% | 6.86% | -4.80% | 33rd below |
| Loan Growth (Y/Y) | 1.59% | 7.91% | -6.32% | 29th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.99% | 6.29% | -0.30% | 64th above |
See Delta Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Delta Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Delta Bank profile, how to read a UBPR, or how this data updates.