BlastPoint's Banking Scorecard
Delta Bank
Community
Specialty: Agricultural
LA
FDIC cert 26564
Vidalia, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
Delta Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 48% in Community
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.72% above tier
- - Nonperforming Asset Ratio 1.24% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$601.6M
+7.1% YoY
+0.0% QoQ
|
-$789.8M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 15% in tier |
| Total Loans ? |
$430.3M
+6.5% YoY
-2.7% QoQ
|
-$545.2M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$539.3M
+10.5% YoY
+1.4% QoQ
|
-$625.3M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
1.87%
+12.4% YoY
-1.5% QoQ
|
+0.70% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
4.10%
+7.7% YoY
+0.7% QoQ
|
+0.44% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
54.87%
-6.2% YoY
-0.1% QoQ
|
-7.76% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
2.34%
+172.4% YoY
+17.0% QoQ
|
+1.72% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
79.78%
-3.6% YoY
-4.0% QoQ
|
-3.28% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
18.80%
+0.2% YoY
+6.3% QoQ
|
-2.24% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
1.74%
+174.7% YoY
+13.6% QoQ
|
+1.24% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.74%
+4.5% YoY
+26.8% QoQ
|
0 |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#179 of 371 · Top 48% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.87%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Concerns (2)
Delinquency Rate
metric
Bottom 7%
in Community
Why this stands out
Current:
2.34%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
1.74%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.16%
74
74th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.66%
73
73th pctile
Efficiency Ratio
Current: 54.87% · Tier avg: 62.63%
73
73th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 0.74%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.80% · Tier avg: 21.05%
38
38th pctile
Loan-to-Deposit Ratio
Current: 79.78% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
19
19th pctile
Total Loans
Current: $430.3M · Tier avg: $975.5M
19
19th pctile
Total Deposits
Current: $539.3M · Tier avg: $1.2B
15
15th pctile
Total Assets
Current: $601.6M · Tier avg: $1.4B
8
8th pctile
Nonperforming Asset Ratio
Current: 1.74% · Tier avg: 0.50%
7
7th pctile
Delinquency Rate
Current: 2.34% · Tier avg: 0.63%
Top Weaknesses
7
7th pctile
Delinquency Rate
Current: 2.34% · Tier avg: 0.63%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.74% · Tier avg: 0.50%
15
15th pctile
Total Assets
Current: $601.6M · Tier avg: $1.4B
19
19th pctile
Total Deposits
Current: $539.3M · Tier avg: $1.2B
19
19th pctile
Total Loans
Current: $430.3M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
38
38th pctile
Loan-to-Deposit Ratio
Current: 79.78% · Tier avg: 83.06%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.80% · Tier avg: 21.05%
73
73th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 0.74%
73
73th pctile
Efficiency Ratio
Current: 54.87% · Tier avg: 62.63%
74
74th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.66%
88
88th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.16%