Delta Bank: 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.
Reserve coverage of non-performing loans climbed 9.57 percentage points in Q2 2026, from 88.66% to 98.23%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Delta Bank is 11th of 103 on return on assets, 1.99% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Delta Bank reported 1.99% on return on assets in Q2 2026, 0.74 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.04% |
| Equity capital to assets | 9.77% |
| Tangible equity to tangible assets | 9.76% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.78% |
| Non-performing assets ratio | 0.70% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 10.06% |
| Allowance for credit losses to loans | 0.77% |
| Reserve coverage of non-performing loans | 98.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.99% |
| Return on equity | 20.19% |
| Net interest margin | 4.42% |
| Efficiency ratio | 53.24% |
| Yield on earning assets | 6.14% |
| Cost of funds | 1.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.99% |
| Core deposits to total deposits | 78.54% |
| Brokered deposits to total deposits | 5.55% |
| Deposits to assets | 88.37% |
| Securities to assets | 19.88% |
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 | 10.15% | 4.37% | 3.45% | 0.29% | 0.01% |
| Q4 2023 | 9.98% | 2.12% | 3.74% | 0.31% | 0.36% |
| Q1 2024 | 9.86% | 0.96% | 3.90% | 0.39% | 0.03% |
| Q2 2024 | 9.51% | 2.05% | 3.75% | 0.31% | 0.10% |
| Q3 2024 | 9.19% | 1.90% | 3.75% | 0.22% | 0.03% |
| Q4 2024 | 9.79% | 1.58% | 3.93% | 0.42% | 0.26% |
| Q1 2025 | 10.04% | 1.66% | 4.10% | 0.85% | 0.06% |
| Q2 2025 | 9.70% | 2.29% | 4.23% | 0.67% | 0.05% |
| Q3 2025 | 9.54% | 1.69% | 4.05% | 1.10% | 0.09% |
| Q4 2025 | 10.09% | 1.79% | 4.29% | 0.96% | 0.54% |
| Q1 2026 | 9.92% | 1.87% | 4.37% | 0.85% | -0.01% |
| Q2 2026 | 10.04% | 1.99% | 4.42% | 0.78% | 0.06% |
Delta Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Delta Bank, 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 Delta Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26564) · FFIEC NIC profile (RSSD 975256)