BlastPoint's Banking Scorecard
Delta Bank
Designations: ✓ CDFI-certified
Vidalia, LA
7 branches across LA · MS
Delta Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.61% above tier average
- + Net Interest Margin 0.39% above tier average
- + Efficiency Ratio 9.32% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 21.8% in tier
- - Delinquency Rate 0.12% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$618.1M
+2.9% YoY
+2.7% QoQ
|
+$232.0M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
82% |
| Total Loans ? |
$441.3M
+4.3% YoY
+2.6% QoQ
|
+$185.6M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
84% |
| Total Deposits ? |
$556.5M
+5.4% YoY
+3.2% QoQ
|
+$228.5M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
84% |
| Return on Assets ? |
1.88%
+15.8% YoY
+0.7% QoQ
|
+0.61% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
84% |
| Net Interest Margin ? |
4.32%
+10.0% YoY
+5.3% QoQ
|
+0.39% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
74% |
| Efficiency Ratio ? |
55.97%
-5.4% YoY
+2.0% QoQ
|
-9.32% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
71% |
| Delinquency Rate ? |
1.01%
-23.2% YoY
-57.1% QoQ
|
+0.12% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
79.31%
-1.1% YoY
-0.6% QoQ
|
+2.67% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
17.85%
+4.3% YoY
-5.1% QoQ
|
-4.17% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.83%
-11.2% YoY
-52.6% QoQ
|
+0.19% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
25% |
| Tier 1 Capital Ratio ? |
9.92%
-1.1% YoY
-1.7% QoQ
|
-5.91% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 9.0% in tier |
| Non-Interest Income / Assets ? |
0.15%
+1.0% YoY
-79.7% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
74% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.