DLP Bank
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Data as of · sourced from FFIEC call reports. How we update
DLP Bank is an FDIC-insured commercial bank headquartered in Starke, FL, established in 1957 (FDIC certificate 17734), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $301.4M, up 19.7% from Q2 2025, the 58th largest of 81 banks headquartered in Florida. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.32% 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
- 17734
- Headquarters
- Starke, FL
- Established
- 1957
- Total assets, Q2 2026
- $301.4M
- Assets vs Q2 2025
- +19.7%
- Tier 1 leverage ratio, Q2 2026
- 15.32%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 063106352
- Holding company
- REGENT CAPITAL CORPORATION
- Asset rank in state
- 58th of 81 in Florida
DLP Bank earns an unusually wide margin on its lending. Its balance sheet stood at $301 million at June 30, 2026, up 19.7% from a year earlier; it is based in Starke, Florida. It keeps 4.95 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also grew deposits 18.8% over the year, 4.7 times the median of 4.0% for banks its size.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.45% of loans from 2.47%. Its $26 million commercial and industrial book is improving, with 2.91% past due or on nonaccrual, down from 13.26% a year earlier. Profitability lags: it returns 4.6% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
As of June 30, 2026, DLP Bank reported a return on assets of 0.93%, a nonperforming-loan ratio of 1.45% and a Texas ratio of 6.67%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, DLP Bank is the 58th largest of the 81 banks headquartered in Florida. From Q1 2026 to Q2 2026, its total assets fell 1.2% to $301.4M, loans rose 1.4% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 31.4% of total loans, followed by commercial and industrial loans at 21.5%. The FDIC Summary of Deposits lists 3 offices for it, in Starke, FL, Lake Butler, FL and Interlachen, FL; its Starke office books 59% of its branch deposits. By the capital ratios in its Q2 2026 call report, DLP Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 811 S Walnut St, Starke, FL 32091
- County
- Bradford
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 19, 1957
- Former names
- Community State Bank (2001-2023); Community State Bank of Starke (1977-2001)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $241.5M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $57K
- Average total assets
- $284.3M
- Average total loans
- $111.8M
- Average interest-bearing deposits
- $96.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 19, 1957
- FDIC Cert
- 17734
- Fed RSSD
- 853934
- SEC CIK
- 1620259 → filed by REGENT CAPITAL CORPORATION
- Parent Holding Company
- REGENT CAPITAL CORPORATION (RSSD 3632000)
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, DLP 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, DLP Bank's total assets ranged from $238.3M (Q1 2024) to $305.1M (Q1 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$301.4M total assets against $251.8M; $243.2M total liabilities against $204.6M.
$116.7M net loans and leases against $104.5M; $241.5M total deposits against $203.2M.
$37.8M securities against $45.2M; $118.2M cash and balances due against $81.0M.
$3.7M total interest income against $3.7M; $536K total interest expense against $235K.
$3.1M net interest income against $3.4M.
$396K total noninterest income against $413K; $2.6M total noninterest expense against $2.4M.
$0 provision for credit losses against -$26K.
$664K net income against $1.2M.
0.93% return on assets against 1.84%; 4.95% net interest margin against 6.10%.
15.32% tier 1 leverage ratio against 15.64%.
Inside the full DLP Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeDLP Bank rankings
Its closest position to the top of a national ranking is 1,008 of 3,640, for Texas Ratio; its furthest is 2,643 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -3.41% (Q4 2025) to 2.37% (Q3 2024) and its net interest margin ran from 4.95% (Q2 2026) to 6.10% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.32% | 0.93% | 1.45% | 6.67% | 4.95% |
| Q1 2026 | 16.39% | 0.92% | 3.26% | 11.25% | 5.03% |
| Q4 2025 | 16.01% | -3.41% | 3.29% | 11.74% | — |
| Q3 2025 | 16.80% | 1.48% | 2.42% | 10.22% | 5.69% |
| Q2 2025 | 15.64% | 1.84% | 2.47% | 10.91% | 6.10% |
| Q1 2025 | 15.44% | 1.52% | 1.51% | 8.75% | 5.24% |
| Q4 2024 | 15.78% | 1.61% | 2.31% | 10.25% | 6.00% |
| Q3 2024 | 15.47% | 2.37% | 2.61% | 10.33% | 5.47% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| DLP Bank (main office) | Starke , FL | 32091 | $142.7M |
| Lake Butler Branch | Lake Butler , FL | 32054 | $74.4M |
| Interlachen Branch | Interlachen , FL | 32148 | $24.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 113 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about DLP Bank
What are DLP Bank's total assets?
As of the Q2 2026 filing, DLP Bank reported total assets of $301.4 million in its FFIEC call report.
Where is DLP Bank headquartered?
It is headquartered in Starke, FL, United States.
When was DLP Bank founded?
It was established in 1957, per the FDIC institution directory.
Is DLP Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17734). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates DLP Bank?
DLP Bank's primary federal regulator is the FDIC.
How many branches does DLP Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is DLP Bank's Texas Ratio?
Its Texas Ratio is 6.67% 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.
What was DLP Bank previously called?
The charter now named DLP Bank has also operated as Community State Bank (2001-2023), Community State Bank of Starke (1977-2001), per FDIC structure-change records.
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