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DLP Bank

$100M-$1B Specialty: Other FL FDIC cert 17734

Starke, FL

3 branches across FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
  • Deposits +18.8% year over year ($241.5M on the books).
  • Delinquency rate 1.48%.
  • Return on assets 0.84%.
  • Efficiency ratio 68.30% vs a 64.48% peer average.
  • Loan-to-deposit ratio 48.31% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 44 in FL
View $100M-$1B leaderboard (FL) →

DLP Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 67.3% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 17.6% in tier
  • - Efficiency Ratio 3.82% above tier average
  • - Delinquency Rate 0.56% above tier average
Get updates when DLP Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $301.4M
+19.7% YoY -1.2% QoQ
-$85.1M $386.6M
+1.2% YoY
$4.3B
+7.0% YoY
$6.3B
+7.7% YoY
46%
Total Loans ? $116.7M
+11.6% YoY +3.4% QoQ
-$141.7M $258.3M
+1.7% YoY
$3.0B
+8.2% YoY
$3.2B
+9.4% YoY
24%
Total Deposits ? $241.5M
+18.8% YoY -1.6% QoQ
-$85.2M $326.7M
+0.7% YoY
$3.5B
+7.0% YoY
$4.9B
+7.3% YoY
43%
Return on Assets ? 0.84%
-49.9% YoY +5.2% QoQ
-0.49% 1.32%
+10.8% YoY
0.62%
-8.3% YoY
1.30%
+12.1% YoY
25%
Net Interest Margin ? 4.49%
-24.4% YoY +4.2% QoQ
+0.50% 3.99%
+5.0% YoY
3.70%
+0.5% YoY
3.95%
+4.9% YoY
79%
Efficiency Ratio ? 68.30%
+23.5% YoY -1.3% QoQ
+3.82% 64.48%
-3.2% YoY
199.20%
+161.3% YoY
70.05%
+2.5% YoY
34%
Delinquency Rate ? 1.48%
-41.3% YoY -56.3% QoQ
+0.56% 0.92%
+15.7% YoY
0.61%
-2.0% YoY
0.98%
+16.3% YoY
19%
Loan-to-Deposit Ratio ? 48.31%
-6.1% YoY +5.1% QoQ
-29.64% 77.95%
+1.0% YoY
72.91%
-1.7% YoY
79.03%
+2.3% YoY
Top 7.6% in tier
Non-Interest-Bearing Deposit Share ? 36.58%
-39.3% YoY +15.4% QoQ
+14.55% 22.03%
-0.6% YoY
27.35%
-2.5% YoY
21.98%
-0.6% YoY
Top 7.8% in tier
Nonperforming Asset Ratio ? 0.94%
-43.2% YoY -41.9% QoQ
+0.27% 0.67%
+16.4% YoY
0.42%
-2.6% YoY
0.69%
+15.8% YoY
22%
Tier 1 Capital Ratio ? 15.32%
-2.0% YoY -6.5% QoQ
-0.59% 15.91%
+1.4% YoY
19.50%
+8.2% YoY
17.09%
+0.8% YoY
68%
Non-Interest Income / Assets ? 0.28%
-13.0% YoY +89.3% QoQ
-0.28% 0.57%
+7.6% YoY
1.02%
+6.4% YoY
0.66%
+5.2% YoY
69%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Noninterest-Bearing 36.6%
-23.7pp YoY
+4.9pp QoQ
 +14.4pp 22.1% 27.7% 22.2% 92%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
C&I 21.9%
+6.5pp YoY
+3.2pp QoQ
 +10.3pp 11.6% 12.9% 12.5% 91%
CRE 42.4%
-12.5pp YoY
-11.6pp QoQ
 +2.9pp 39.5% 50.6% 41.4% 58%
1-4 Family 32.0%
+4.4pp YoY
+4.0pp QoQ
 -0.7pp 32.6% 30.7% 31.3% 56%
Consumer 1.2%
-0.6pp YoY
-0.3pp QoQ
 -2.9pp 4.1% 3.7% 5.0% 34%

Capital

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.8% 19.7% n/a
Leverage Ratio 15.3%
-0.3pp YoY
-1.1pp QoQ
 +3.2pp 12.2% 13.9% 12.6% 88%
Total Capital Ratio n/a n/a 19.9% 21.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Full-Time Employees 38
-1 (-2.6%) YoY
+1 (+2.7%) QoQ
 -21 58 295 482 39%
Assets per Employee ($) $7.9M
+22.9% YoY
-3.8% QoQ
 +$414K $7.5M $10.3M $8.8M 67%
Branch Count 3
0 YoY
0 QoQ
 -2 4 13 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 1.5%
-1.0pp YoY
-1.9pp QoQ
 +0.5pp 0.9% 0.7% 1.0% 81%
Allowance Coverage 1.22x
+84.5% YoY
+9.5% QoQ
 -22.94x 24.15x 16.62x 20.23x 33%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 76%

Profitability

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
ROE 4.4%
-4.6pp YoY
+0.2pp QoQ
 -7.8pp 12.2% 9.3% 11.6% 12%
Cost of Funds (YTD) 0.8%
+0.3pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.8% 1.7% 5%
Net Income ($, YTD) $1.3M
-39.0% YoY
— QoQ
 -$1.3M $2.6M $25.2M $40.4M 35%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#188 of 278 • Top 67.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 36.58%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.49%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

Concerns (1)

Margin Compression

decline
#55 of 307 • Bottom 17.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.84%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

202
Loan-to-Deposit Ratio
liquidity
Value: 48.31%
Peer Median: 77.95%
#202 of 2643 Top 7.6% in $100M-$1B
208
Non-Interest-Bearing Deposit Share
funding
Value: 36.58%
Peer Median: 22.03%
#208 of 2643 Top 7.8% in $100M-$1B
549
Net Interest Margin
profitability
Value: 4.49%
Peer Median: 3.99%
#549 of 2643 Top 20.7% in $100M-$1B

Top Weaknesses (3 metrics)

2137
Delinquency Rate
credit_quality
Value: 1.48%
Peer Median: 0.92%
#2137 of 2633 Bottom 18.9% in $100M-$1B
2063
Nonperforming Asset Ratio
credit_quality
Value: 0.94%
Peer Median: 0.67%
#2063 of 2643 Bottom 22.0% in $100M-$1B
1999
Total Loans
size
Value: $116.68M
Peer Median: $258.35M
#1999 of 2643 Bottom 24.4% in $100M-$1B
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