DLP 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 10.52 percentage points in Q2 2026, from 111.14% to 121.66%. It was the largest change from Q1 2026 among the key lines here. DLP Bank ranks 49th of 79 Florida banks on return on assets, in the lower half at 0.93% (Q2 2026). DLP Bank reported 0.93% on return on assets for Q2 2026, 0.32 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.32% |
| Equity capital to assets | 19.32% |
| Tangible equity to tangible assets | 14.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.45% |
| Non-performing assets ratio | 0.94% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 6.67% |
| Allowance for credit losses to loans | 1.76% |
| Reserve coverage of non-performing loans | 121.66% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.93% |
| Return on equity | 4.58% |
| Net interest margin | 4.95% |
| Efficiency ratio | 67.35% |
| Yield on earning assets | 5.80% |
| Cost of funds | 1.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.18% |
| Core deposits to total deposits | 98.40% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.13% |
| Securities to assets | 12.54% |
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 | 12.58% | 0.68% | 6.09% | 4.92% | 2.82% |
| Q4 2023 | 13.30% | -0.04% | 5.71% | 3.41% | 1.63% |
| Q1 2024 | 13.76% | 0.78% | 5.81% | 3.71% | -0.08% |
| Q2 2024 | 13.92% | 1.26% | 6.04% | 3.67% | 0.02% |
| Q3 2024 | 15.47% | 2.37% | 5.47% | 2.61% | -0.84% |
| Q4 2024 | 15.78% | 1.61% | 6.00% | 2.31% | 0.40% |
| Q1 2025 | 15.44% | 1.52% | 5.24% | 1.51% | -0.01% |
| Q2 2025 | 15.64% | 1.84% | 6.10% | 2.47% | 0.08% |
| Q3 2025 | 16.80% | 1.48% | 5.69% | 2.42% | 0.03% |
| Q4 2025 | 16.01% | -3.41% | 3.68% | 3.29% | -0.02% |
| Q1 2026 | 16.39% | 0.92% | 5.03% | 3.26% | 0.13% |
| Q2 2026 | 15.32% | 0.93% | 4.95% | 1.45% | 0.06% |
DLP Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock DLP 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 DLP Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17734) · FFIEC NIC profile (RSSD 853934)