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Adelphi Bank

$100M-$1B Specialty: Commercial OH FDIC cert 59292

Designations: ✓ Minority Depository Institution

Columbus, OH

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 96 in OH.
  • Deposits +54.7% year over year ($104.2M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.13%.
  • Efficiency ratio 89.93% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.15% 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 96 in OH
View $100M-$1B leaderboard (OH) →

Adelphi Bank has 3 strengths but faces 4 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

  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Net Interest Margin 0.71% above tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 0.6% in tier
  • - Return on Assets 1.19% below tier average
  • - Efficiency Ratio 25.45% above tier average
  • - Non-Interest Income / Assets 0.52% below tier average
Get updates when Adelphi Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $124.5M
+42.1% YoY +6.4% QoQ
-$262.1M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
Bottom 7.0% in tier
Total Loans ? $97.1M
+44.6% YoY +4.7% QoQ
-$161.2M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
18%
Total Deposits ? $104.2M
+54.7% YoY +7.6% QoQ
-$222.5M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
Bottom 6.6% in tier
Return on Assets ? 0.13%
+106.7% YoY -17.1% QoQ
-1.19% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
Bottom 4.5% in tier
Net Interest Margin ? 4.69%
-9.4% YoY -2.9% QoQ
+0.71% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Top 14.5% in tier
Efficiency Ratio ? 89.93%
-27.2% YoY -1.7% QoQ
+25.45% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
Bottom 5.9% in tier
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 93.15%
-6.6% YoY -2.7% QoQ
+15.20% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
20%
Non-Interest-Bearing Deposit Share ? 4.81%
-74.2% YoY -66.1% QoQ
-17.22% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 3.4% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 15.82%
-32.7% YoY -4.2% QoQ
-0.08% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
71%
Non-Interest Income / Assets ? 0.05%
+0.8% YoY +136.8% QoQ
-0.52% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
Bottom 5.8% in tier

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 (OH) National Avg Tier Percentile
Noninterest-Bearing 4.8%
-13.8pp YoY
-9.4pp QoQ
 -17.3pp 22.1% 18.8% 22.2% 3%
Brokered Deposits 23.9%
-10.1pp YoY
-3.8pp QoQ
 +16.1pp 7.9% 7.7% 8.5% 94%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 24.6%
-4.1pp YoY
+2.5pp QoQ
 +13.0pp 11.6% 10.2% 12.5% 93%
CRE 73.5%
+8.8pp YoY
-2.0pp QoQ
 +34.0pp 39.5% 34.2% 41.4% 95%
1-4 Family n/a n/a 32.6% 50.0% 31.3% n/a
Consumer 3.7%
-2.7pp YoY
-0.4pp QoQ
 -0.4pp 4.1% 4.7% 5.0% 68%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.1% 19.7% n/a
Leverage Ratio 15.8%
-7.7pp YoY
-0.7pp QoQ
 +3.7pp 12.2% 12.9% 12.6% 90%
Total Capital Ratio n/a n/a 19.9% 23.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 21
-3 (-12.5%) YoY
-3 (-12.5%) QoQ
 -38 58 2,433 482 12%
Assets per Employee ($) $5.9M
+62.4% YoY
+21.6% QoQ
 -$1.6M $7.5M $7.6M $8.8M 32%
Branch Count 1
0 YoY
0 QoQ
 -4 4 81 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.6% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 18.95x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 0.8%
+8.6pp YoY
-0.1pp QoQ
 -11.4pp 12.2% 9.7% 11.6% 4%
Cost of Funds (YTD) 2.0%
+0.3pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.7% 1.7% 68%
Net Income ($, YTD) $74,000
+109.9% YoY
— QoQ
 -$2.5M $2.6M $259.3M $40.4M 4%

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)

NIB Deposit Bleed

decline
#2 of 162 • Bottom 0.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 4.81%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ

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)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
383
Net Interest Margin
profitability
Value: 4.69%
Peer Median: 3.99%
#383 of 2643 Top 14.5% in $100M-$1B

Top Weaknesses (8 metrics)

2554
Non-Interest-Bearing Deposit Share
funding
Value: 4.81%
Peer Median: 22.03%
#2554 of 2643 Bottom 3.4% in $100M-$1B
2524
Return on Assets
profitability
Value: 0.13%
Peer Median: 1.32%
#2524 of 2643 Bottom 4.5% in $100M-$1B
2490
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.57%
#2490 of 2643 Bottom 5.8% in $100M-$1B
2489
Efficiency Ratio
profitability
Value: 89.93%
Peer Median: 64.48%
#2489 of 2643 Bottom 5.9% in $100M-$1B
2469
Total Deposits
size
Value: $104.24M
Peer Median: $326.73M
#2469 of 2643 Bottom 6.6% in $100M-$1B
2459
Total Assets
size
Value: $124.49M
Peer Median: $386.57M
#2459 of 2643 Bottom 7.0% in $100M-$1B
2172
Total Loans
size
Value: $97.10M
Peer Median: $258.35M
#2172 of 2643 Bottom 17.9% in $100M-$1B
2117
Loan-to-Deposit Ratio
liquidity
Value: 93.15%
Peer Median: 77.95%
#2117 of 2643 Bottom 19.9% in $100M-$1B
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