BlastPoint's Banking Scorecard

Delta Bank

$100M-$1B Specialty: Agricultural LA FDIC cert 26564

Designations: ✓ CDFI-certified

Vidalia, LA

7 branches across LA · MS

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 73 in LA.
Deposits +6.0% year over year ($558.5M on the books).
Delinquency rate 1.04%.
Return on assets 1.93%.
Efficiency ratio 55.28% vs a 64.48% peer average.
Loan-to-deposit ratio 84.34% 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 73 in LA

View $100M-$1B leaderboard (LA) →

Delta Bank has 3 strengths but faces 2 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

+ ROA 0.61% above tier average
+ Net Interest Margin 0.32% above tier average
+ Efficiency Ratio 9.20% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 21.6% in tier
- Delinquency Rate 0.13% above tier average

Get updates when Delta Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$632.0M +2.1% YoY +2.2% QoQ	+$245.4M	$386.6M +1.2% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	83%
Total Loans ?	$471.0M +1.5% YoY +6.7% QoQ	+$212.7M	$258.3M +1.7% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	Top 13.9% in tier
Total Deposits ?	$558.5M +6.0% YoY +0.4% QoQ	+$231.8M	$326.7M +0.7% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	85%
Return on Assets ?	1.93% -1.8% YoY +2.6% QoQ	+0.61%	1.32% +10.8% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	85%
Net Interest Margin ?	4.31% +6.8% YoY -0.2% QoQ	+0.32%	3.99% +5.0% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	71%
Efficiency Ratio ?	55.28% +0.1% YoY -1.2% QoQ	-9.20%	64.48% -3.2% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	72%
Delinquency Rate ?	1.04% -40.4% YoY +3.9% QoQ	+0.13%	0.92% +15.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	27%
Loan-to-Deposit Ratio ?	84.34% -4.3% YoY +6.3% QoQ	+6.39%	77.95% +1.0% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	40%
Non-Interest-Bearing Deposit Share ?	16.77% +0.6% YoY -6.1% QoQ	-5.26%	22.03% -0.6% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	32%
Nonperforming Asset Ratio ?	0.89% -32.7% YoY +7.7% QoQ	+0.22%	0.67% +16.4% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	23%
Tier 1 Capital Ratio ?	10.04% +3.5% YoY +1.2% QoQ	-5.87%	15.91% +1.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	Bottom 11.3% in tier
Non-Interest Income / Assets ?	0.30% -29.0% YoY +96.4% QoQ	-0.27%	0.57% +7.6% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	71%

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 (LA)	National Avg	Tier Percentile
Noninterest-Bearing	16.8% +0.1pp YoY -1.1pp QoQ	-5.4pp	22.1%	24.6%	22.2%	31%
Brokered Deposits	5.5% -0.3pp YoY 0.0pp QoQ	-2.3pp	7.9%	6.7%	8.5%	56%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
C&I	8.1% -1.4pp YoY -1.1pp QoQ	-3.4pp	11.6%	12.6%	12.5%	41%
CRE	23.1% +0.1pp YoY -1.1pp QoQ	-16.5pp	39.5%	44.9%	41.4%	23%
1-4 Family	30.1% +3.0pp YoY -1.9pp QoQ	-2.5pp	32.6%	34.2%	31.3%	52%
Consumer	1.6% -0.2pp YoY -0.1pp QoQ	-2.5pp	4.1%	4.2%	5.0%	42%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.5%	19.7%	n/a
Leverage Ratio	10.0% +0.3pp YoY +0.1pp QoQ	-2.1pp	12.2%	13.4%	12.6%	32%
Total Capital Ratio	n/a	n/a	19.9%	23.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	91 +4 (+4.6%) YoY +5 (+5.8%) QoQ	+32	58	114	482	83%
Assets per Employee ($)	$6.9M -2.4% YoY -3.4% QoQ	-$574K	$7.5M	$6.8M	$8.8M	51%
Branch Count	7 0 YoY 0 QoQ	+2	4	9	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Past Due 90+ Days	0.5% -0.8pp YoY +0.2pp QoQ	+0.1pp	0.3%	0.4%	0.4%	81%
Nonaccrual	0.6% +0.1pp YoY -0.2pp QoQ	-0.3pp	0.9%	1.4%	1.0%	57%
Allowance Coverage	0.74x +96.7% YoY -2.1% QoQ	-23.41x	24.15x	27.36x	20.23x	19%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	56%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	19.5% -0.7pp YoY +0.6pp QoQ	+7.3pp	12.2%	12.5%	11.6%	87%
Cost of Funds (YTD)	1.7% -0.2pp YoY 0.0pp QoQ	0.0pp	1.7%	1.7%	1.7%	52%
Net Income ($, YTD)	$5.9M +2.1% YoY — QoQ	+$3.4M	$2.6M	$5.1M	$40.4M	92%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk

#144 of 661 • Bottom 21.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.04%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

369

Total Loans

size

Value: $471.03M

Peer Median: $258.35M

#369 of 2643 Top 13.9% in $100M-$1B

399

Return on Assets

profitability

Value: 1.93%

Peer Median: 1.32%

#399 of 2643 Top 15.1% in $100M-$1B

407

Total Deposits

size

Value: $558.50M

Peer Median: $326.73M

#407 of 2643 Top 15.4% in $100M-$1B

453

Total Assets

size

Value: $631.97M

Peer Median: $386.57M

#453 of 2643 Top 17.1% in $100M-$1B

Top Weaknesses (2 metrics)

2345

Tier 1 Capital Ratio

capital

Value: 10.04%

Peer Median: 15.91%

#2345 of 2643 Bottom 11.3% in $100M-$1B

2034

Nonperforming Asset Ratio

credit_quality

Value: 0.89%

Peer Median: 0.67%

#2034 of 2643 Bottom 23.1% in $100M-$1B