# DLP BANK
STARKE, FL · FDIC certificate 17734 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $301.4M | |
| Deposits | $241.5M | |
| Loans and leases | $118.8M | |
| Total equity | $58.2M | |
| Loans / deposits | 48.31% (p5 of band) | 82.04% |
| Liquid assets / assets | 51.75% (p93 of band) | |
| Uninsured deposits / deposits | 39.69% (p87 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.32% (p91 of band) | 10.81% |
| Unrealized securities loss / equity | -1.32% (p84 of band) | -8.10% |
| AOCI / equity | -0.56% (p39 of band) | |
| ROA (annualized) | 0.84% (p23 of band) | 1.28% |
| Net interest margin | 4.49% (p82 of band) | 3.91% |
| Efficiency ratio | 68.30% (p69 of band) | |
| Noncurrent loans | 1.45% (p82 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p73 of band) | |
| Reserve coverage of noncurrent | 121.66% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 19.65% (p25 of band) | |
| Auto loans | $261,000 (0.22% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $3.2M (5% of equity) (p94 of band) | |
| Deposits YoY | 18.8% | |
| Employees | 38 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 3 |  | losing money |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 |  | charge-offs p90 |
| 2012-06 | 5 | capital falling, losing money, expense ratio p90 |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 5 |  |  |
| 2013-06 | 5 |  |  |
| 2013-09 | 4 |  | capital falling |
| 2013-12 | 3 | uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2014-03 | 0 |  | losing money, expense ratio p90, uninsured deposits leaving |
| 2014-06 | 2 | expense ratio p90, uninsured deposits leaving |  |
| 2014-09 | 1 |  | uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | reserve under noncurrent |  |
| 2015-12 | 1 |  | expense ratio p90 |
| 2016-03 | 3 | capital falling, charge-offs p90 |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | charge-offs p90 |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | capital falling, noncurrent p90 |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 | charge-offs p90 | noncurrent p90 |
| 2019-06 | 1 |  | capital falling, charge-offs p90 |
| 2019-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-12 | 2 |  | deposits shrinking, assets shrinking |
| 2020-03 | 4 | expense ratio p90, noncurrent p90, charge-offs p90 | uninsured deposits leaving |
| 2020-06 | 4 | capital falling | expense ratio p90 |
| 2020-09 | 2 |  | charge-offs p90, capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 5 | leverage <7%, capital falling, charge-offs p90 |  |
| 2021-06 | 5 | expense ratio p90 | charge-offs p90 |
| 2021-09 | 2 |  | noncurrent p90, capital falling, expense ratio p90 |
| 2021-12 | 3 | noncurrent p90 |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity | noncurrent p90 |
| 2022-06 | 5 | noncurrent p90 |  |
| 2022-09 | 2 |  | leverage <7%, AOCI drag >20% of equity, securities losses >30% of equity |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | charge-offs p90 |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | deposits shrinking |  |
| 2024-03 | 3 |  | charge-offs p90 |
| 2024-06 | 2 |  | deposits shrinking |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2025-06 | 5 | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2025-09 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-12 | 2 | NIM <2.5% | reserve under noncurrent |
| 2026-03 | 1 |  | NIM <2.5% |
| 2026-06 | 0 |  | noncurrent p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-18 [DLP Bank Makes Inc. 5000 for Third Straight Year - citybiz](https://news.google.com/rss/articles/CBMijwFBVV95cUxOb1kyd2xYRlpJQk80SWFCam5LUTNrd2sxa3F4bnNlVVlQT0xYNFYyVzUzTW11WnVfYUR5SEJhb3Nnb2JBTl9mSFRfM1l2dnFjNjhqQ2NpQ3dya21ONF9IQ1FUZVY0SktOVmtOMFBNdExQSkpnVF9HNnV0UHhsVl9ZVnJMdjQ2d3N6WHN2eW05MA?oc=5) · citybiz
- 2026-08-18 [DLP Bank Named to Inc. 5000 List of Fastest-Growing Companies for Third Consecutive Year - GlobeNewswire](https://news.google.com/rss/articles/CBMi8AFBVV95cUxPSDE0bXlvajc4MjVYaVhqMVdiem9zSjBkM2t1c3QyNU9Jd3ZUV0FlRDVJRHMybmh1Q2RRdkc5NExTMFB4Ym5YUXVlM0ZyWjRkVzdfMzNzcHByR1pacjdnU1hBTDRzcUJibGpBU0JSTThHUlN3QmlnQm03Y1lJellKZFYzNTlSMWlFb2VKZm0xRmRwREdtNzktc0pNblFGMGtwZTNVaHRiRDJna2cxLU42UkdqRENPZnlYYWFEd2NMZFI4R19RaUZjWGhGblBVQUJQM21ZRVdCbGZMWmhZdjhyb0E0dnR5T1MwY3VXU1NWSFU?oc=5) · GlobeNewswire
- 2026-08-18 [DLP Bank Makes Inc. 5000 for Third Consecutive Year - citybiz](https://news.google.com/rss/articles/CBMikwFBVV95cUxPaFUyUWJDNVJNU0o4ZGhhOGR6Vk15Qm5kb2JDcXFVOE1XU0JacjNHOUMwT0k1eUI5WWh6bDIwME8zWUx1akx5akpJbG9pRUNJVjZ0aUdkR0tpNmdrcUlXcWp6dlpwUlpOLXQwTUJEa1pyVEFvYXJhTVgyZlFrVmMwY3ZVb0R4dUxYQUptRHpxX00yaFU?oc=5) · citybiz
- 2026-04-01 [Chris Funk Named President of DLP Bank - GlobeNewswire](https://news.google.com/rss/articles/CBMirwFBVV95cUxNTG9LX1JPMXJjTFpiT0t6Q0FUdXM0Z0lBU0FNaGxDZm0wbHM4RHhSSVJVLVZnc1dnRmlkc2NQZV9WWVlWcnFqMGRGdllpcXJ6cUVSb0ZzY2RhS1NwODJYaVRpNjA3QWRKbDhlMDFJUmtIZ25RQ04zVVNpTklVS281STl6Rk9reG5Kam1XTUhweVJQaWZUaFRIQy1ZRXgwUG03ZFMxTHBQd194M1NhRXlR?oc=5) · GlobeNewswire
- 2025-09-10 [Larry J. Hickernell, Jr. Named as DLP Bank Chief Lending Officer and St. Augustine Market President - Business Wire](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNSS1hcmI2UWhCUHgxUlN3ckh0YmNGWm5uOE1mQlJrbVhUNDBGYThzWk40UVRSZWhodEpvWVRwLXdrTTBEaUctZ2IxM1FydmROSllJaW03dlFDOUwtUTVSbmVYbjRGWGlSOTdsR3ZCakFacHlmRjJrelJ1TldVNWlQQmZ2VXczZ2hoYXpfRzhmX1NfWWdmZk9UUzBLNVczQWRqbUgySjk4NTFLaFk4TERyVE1DNDJ6MWZhY3Y0VldyaTJpYU82X1JZa25PN3JVWFIxeHNlWG1rYmJrbkhiZlliSTJjN1J0TUI4VHNN?oc=5) · Business Wire
- 2025-04-25 [Regent Bank enters merger deal - Springfield Business Journal](https://news.google.com/rss/articles/CBMibEFVX3lxTE9TaDBBNW9BakFQS1BEYnJScExlUW5fMWdhNEFsbWlGXzFBVmV6LVBROVFoWTVrWHZrc1pBRDdtSHRxVnVWN05HTWhLbTduRmlTajNfNlAyQ2FJOEFnMWZBV1FoaWtJYWstYXkyTg?oc=5) · Springfield Business Journal
- 2025-04-25 [Regent Capital signs merger deal with DLP Bancshares - journalrecord.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPSTdZdzRxRzhSRkdKWnNwRV9GOVNlekt2M0tvT0tRa2c0YlRSNlNfdUNPUHI5amw4bmhxNkM3c3RWYWdfUkd5NUJ3RHlkQl9GOG5JdU9FQlc5MWxFRjU4VVdDeU9DV3BZdVlBOVhQNU80QzZqXzNjdFJCQzVRbndMa2R0SGYyUQ?oc=5) · journalrecord.com
- 2023-11-02 [Florida Bank Introduces New Name: DLP Bank - Business Wire](https://news.google.com/rss/articles/CBMinwFBVV95cUxQT012Qzk4U3VTMG5YRTBVY1lIeG51OGtvWFNwTUxFeTRWR1JidElEMGNESElHLXVLS2Q5UEluV1NwWng1MTFCWDFZNWlucUJTT253eE1HcWdib0tUWGRYdGUxUVIwX1I1clV1OG9RbFQ2a2FiUFV2bHZEb1Rab2IzYVJSdzNUV3FjTDJXcWhnU0FPaC1kV2xnUWJPMkpyaUU?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17734 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/6.json (key "17734", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide