BlastPoint's Banking Scorecard
The Delaware National Bank of Delhi
Micro
Specialty: Agricultural
NY
FDIC cert 7025
Designations: ✓ Community bank
Delhi, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
The Delaware National Bank of Delhi faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$370.5M
+0.7% YoY
+0.1% QoQ
|
+$153.0M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$260.3M
+1.6% YoY
+0.8% QoQ
|
+$121.1M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$334.4M
-0.2% YoY
+0.1% QoQ
|
+$150.8M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
0.67%
+41.6% YoY
+9.7% QoQ
|
-0.41% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
2.46%
+10.5% YoY
+2.2% QoQ
|
-1.39% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
69.10%
-9.2% YoY
-3.0% QoQ
|
+1.37% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
0.76%
+50.1% YoY
+7.2% QoQ
|
+0.12% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
77.84%
+1.9% YoY
+0.7% QoQ
|
+3.31% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
23.20%
+4.2% YoY
+2.5% QoQ
|
+0.81% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.53%
+45.6% YoY
+8.0% QoQ
|
+0.08% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.45%
+0.7% YoY
+35.3% QoQ
|
-0.12% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.46%
(Tier avg: 3.85%, National avg: 3.75%)
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
87
87th pctile
Total Deposits
Current: $334.4M · Tier avg: $183.7M
86
86th pctile
Total Loans
Current: $260.3M · Tier avg: $139.2M
84
84th pctile
Total Assets
Current: $370.5M · Tier avg: $217.5M
62
62th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.20% · Tier avg: 22.39%
53
53th pctile
Loan-to-Deposit Ratio
Current: 77.84% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Efficiency Ratio
Current: 69.10% · Tier avg: 67.73%
36
36th pctile
Delinquency Rate
Current: 0.76% · Tier avg: 0.64%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
26
26th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.08%
5
5th pctile
Net Interest Margin
Current: 2.46% · Tier avg: 3.85%
Top Weaknesses
5
5th pctile
Net Interest Margin
Current: 2.46% · Tier avg: 3.85%
26
26th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.08%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
36
36th pctile
Delinquency Rate
Current: 0.76% · Tier avg: 0.64%
42
42th pctile
Efficiency Ratio
Current: 69.10% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Loan-to-Deposit Ratio
Current: 77.84% · Tier avg: 74.53%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.20% · Tier avg: 22.39%
62
62th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
84
84th pctile
Total Assets
Current: $370.5M · Tier avg: $217.5M
86
86th pctile
Total Loans
Current: $260.3M · Tier avg: $139.2M
87
87th pctile
Total Deposits
Current: $334.4M · Tier avg: $183.7M