BlastPoint's Banking Scorecard
DLP Bank
Starke, FL
3 branches across FL
DLP Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.37% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 19.3% in tier
- - Cost Spiral: Bottom 94.4% in tier
- - Delinquency Rate 2.49% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$305.1M
+22.6% YoY
+0.7% QoQ
|
-$81.0M |
$386.1M
+0.5% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
47% |
| Total Loans ? |
$112.8M
+0.4% YoY
+0.8% QoQ
|
-$142.9M |
$255.7M
+1.1% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
24% |
| Total Deposits ? |
$245.5M
+22.3% YoY
+0.3% QoQ
|
-$82.4M |
$328.0M
+0.1% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
44% |
| Return on Assets ? |
0.80%
-46.9% YoY
+183.3% QoQ
|
-0.47% |
1.27%
+12.9% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
25% |
| Net Interest Margin ? |
4.31%
-24.1% YoY
+361.6% QoQ
|
+0.37% |
3.93%
+6.0% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
73% |
| Efficiency Ratio ? |
69.21%
+22.1% YoY
+28.9% QoQ
|
+3.92% |
65.29%
-4.5% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
34% |
| Delinquency Rate ? |
3.38%
+120.5% YoY
-1.1% QoQ
|
+2.49% |
0.89%
+18.8% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.9% in tier |
| Loan-to-Deposit Ratio ? |
45.96%
-17.9% YoY
+0.5% QoQ
|
-30.68% |
76.64%
+0.8% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 6.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.68%
-42.3% YoY
-49.6% QoQ
|
+9.66% |
22.02%
-1.0% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
Top 14.3% in tier |
| Nonperforming Asset Ratio ? |
1.61%
+23.1% YoY
-3.4% QoQ
|
+0.97% |
0.64%
+19.7% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.2% in tier |
| Tier 1 Capital Ratio ? |
16.39%
+6.1% YoY
+2.4% QoQ
|
+0.56% |
15.83%
+1.5% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.15%
-8.1% YoY
+50.6% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
73% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.