BlastPoint's Banking Scorecard
The Delaware National Bank of Delhi
Delhi, NY
4 branches across NY
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 48 in NY.
- Deposits +3.1% year over year ($348.6M on the books).
- Delinquency rate 0.61%.
- Return on assets 0.80%.
- Efficiency ratio 65.57% vs a 64.48% peer average.
- Loan-to-deposit ratio 76.44% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Delaware National Bank of Delhi has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.31% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 20.4% in tier
- - Net Interest Margin 1.35% below tier average
- - ROA 0.52% below tier average
- - Efficiency Ratio 1.09% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$384.1M
+3.2% YoY
-5.8% QoQ
|
-$2.5M |
$386.6M
+1.2% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
59% |
| Total Loans ? |
$266.5M
+2.7% YoY
+1.2% QoQ
|
+$8.1M |
$258.3M
+1.7% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
62% |
| Total Deposits ? |
$348.6M
+3.1% YoY
-6.3% QoQ
|
+$21.9M |
$326.7M
+0.7% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
63% |
| Return on Assets ? |
0.80%
+41.7% YoY
+4.5% QoQ
|
-0.52% |
1.32%
+10.8% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
23% |
| Net Interest Margin ? |
2.63%
+12.0% YoY
+1.2% QoQ
|
-1.35% |
3.99%
+5.0% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 4.1% in tier |
| Efficiency Ratio ? |
65.57%
-9.9% YoY
-1.8% QoQ
|
+1.09% |
64.48%
-3.2% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
41% |
| Delinquency Rate ? |
0.61%
-5.1% YoY
-9.6% QoQ
|
-0.31% |
0.92%
+15.7% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
76.44%
-0.3% YoY
+8.0% QoQ
|
-1.51% |
77.95%
+1.0% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
21.52%
-2.2% YoY
-2.6% QoQ
|
-0.51% |
22.03%
-0.6% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.43%
-6.9% YoY
-4.1% QoQ
|
-0.24% |
0.67%
+16.4% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
9.61%
-3.6% YoY
-1.9% QoQ
|
-6.29% |
15.91%
+1.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 6.1% in tier |
| Non-Interest Income / Assets ? |
0.24%
+6.6% YoY
+126.8% QoQ
|
-0.33% |
0.57%
+7.6% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
60% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.5%
-0.5pp YoY -0.6pp QoQ |
-0.6pp | 22.1% | 22.1% | 22.2% | 52% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.5%
-0.6pp YoY -0.1pp QoQ |
-8.0pp | 11.6% | 11.0% | 12.5% | 12% |
| CRE |
11.9%
+0.8pp YoY -0.1pp QoQ |
-27.7pp | 39.5% | 46.2% | 41.4% | 7% |
| 1-4 Family |
57.1%
+0.5pp YoY -0.2pp QoQ |
+24.5pp | 32.6% | 36.6% | 31.3% | 88% |
| Consumer |
1.2%
-0.1pp YoY -0.1pp QoQ |
-3.0pp | 4.1% | 5.1% | 5.0% | 32% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 26.1% | 19.7% | n/a |
| Leverage Ratio |
9.6%
-0.4pp YoY -0.2pp QoQ |
-2.6pp | 12.2% | 13.9% | 12.6% | 24% |
| Total Capital Ratio | n/a | n/a | 19.9% | 27.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
45
+1 (+2.3%) YoY +2 (+4.7%) QoQ |
-14 | 58 | 914 | 482 | 47% |
| Assets per Employee ($) |
$8.5M
+0.9% YoY -10.0% QoQ |
+$1.0M | $7.5M | $14.8M | $8.8M | 74% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 27 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.1% | 0.4% | 13% |
| Nonaccrual |
0.6%
0.0pp YoY -0.1pp QoQ |
-0.3pp | 0.9% | 1.3% | 1.0% | 57% |
| Allowance Coverage |
0.83x
+7.4% YoY +10.3% QoQ |
-23.32x | 24.15x | 1.92x | 20.23x | 22% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 27% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.0%
+2.7pp YoY +0.4pp QoQ |
-2.2pp | 12.2% | 7.9% | 11.6% | 37% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY +0.1pp QoQ |
-0.3pp | 1.7% | 1.8% | 1.7% | 28% |
| Net Income ($, YTD) |
$1.6M
+46.2% YoY — QoQ |
-$1.0M | $2.6M | $111.2M | $40.4M | 43% |
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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.