# DELTA BANK
VIDALIA, LA · FDIC certificate 26564 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $632.0M | |
| Deposits | $558.5M | |
| Loans and leases | $474.7M | |
| Total equity | $61.7M | |
| Loans / deposits | 84.34% (p57 of band) | 82.04% |
| Liquid assets / assets | 22.52% (p41 of band) | |
| Uninsured deposits / deposits | 34.50% (p78 of band) | 25.97% |
| Brokered deposits | 4.90% | |
| Wholesale funding | 6.48% (p65 of band) | |
| FHLB advances / assets | 1.58% | |
| Tier 1 leverage | 10.04% (p36 of band) | 10.81% |
| Unrealized securities loss / equity | -12.55% (p37 of band) | -8.10% |
| AOCI / equity | -0.78% (p31 of band) | |
| ROA (annualized) | 1.93% (p85 of band) | 1.28% |
| Net interest margin | 4.31% (p73 of band) | 3.91% |
| Efficiency ratio | 55.28% (p31 of band) | |
| Noncurrent loans | 1.04% (p74 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p63 of band) | |
| Reserve coverage of noncurrent | 74.31% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 27.55% (p34 of band) | |
| Auto loans | $1.8M (0.39% of loans; DQ 6.88%, NCO 0.00%) | |
| Loans to nondepository financials | $3.0M (5% of equity) (p94 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 91 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | wholesale funding >15% |  |
| 2011-09 | 0 |  | wholesale funding >15% |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 2 | noncurrent p90 |  |
| 2019-06 | 1 |  | noncurrent p90 |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 2 | securities losses >30% of equity, charge-offs p90 |  |
| 2022-12 | 1 | capital falling | securities losses >30% of equity, charge-offs p90 |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 | reserve under noncurrent | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 3 | capital falling, noncurrent p90 |  |
| 2025-12 | 2 |  | capital falling |
| 2026-03 | 1 |  | noncurrent p90 |
| 2026-06 | 1 |  |  |

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

- 2026-07-09 [Eighty-eight rising bank leaders advance knowledge at Louisiana Tech's School of Banking - Louisiana Tech University](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQdnN2TEdIRENHV2NHZnNXSnFFMmQ0b1ZfM0cwSzNrdHZLeWkyZGJsd1dsaENMclUxdzNZX1F4UzRRVHZWR2wwYVY2TklEZmZ3NV94X3RmWHBIVWFZSlBuSEtaaHBheDZsUVNsOExfa000X1ppTU05TXIyeWk0WjB6S1dWWXJQNVpMTHRMSjRubEpTME5NOEdia0FnVEZ4cWdrSzlRTmMtQnVUVHZHcmNEd0lYQUFYczFLWk04?oc=5) · Louisiana Tech University
- 2026-03-30 [Courthouse Records: Civil cases, marriages, and deed transactions through March 26, 2026 - natchezdemocrat.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxPVGlMZWlZUUMycWlKNXdwQ0dHdTE3a2VyTUhzcUtOaEo0S3FWZ2JaTGNVaUJKMlFPSkNkUjJBeHJwMFlmS3h1eGRQTk1UQ2xxaWhDZFhkVG1jUlY5VkpERkpYUU84UmRCS2tERHBHckd6bWVXNWNvWnUxTlVyZ2JJN2x3LUVRcElCUmxRUGxNZWZCYUkwQ3pVWWp0T1BoZkFrRjdiUzdIN2pKbTNnTW9nTjM0el9GNFQ1dzBhU2JNZGRWSkdJaFBILWIzak1yZw?oc=5) · natchezdemocrat.com
- 2025-05-31 [Charles Joseph "Red" Adam Jr. Obituary May 31, 2025 - Mothe Funeral Homes, LLC](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9TQ1I2czFkX3BlaTlKdmtieXdDSHREY0EzQUpQLWMxMlFCcThzT1NJYlY4aGlKMW9Cem5Xc0hwZ2RfOVBta2dpbWU4REhqUmJ1U0drTWF5cEJuaGZwakhFeW1iaWpNcDQ?oc=5) · Mothe Funeral Homes, LLC
- 2025-06-20 [83 rising bank leader advance knowledge at LA Tech’s School of Banking - Lincoln Parish Journal](https://news.google.com/rss/articles/CBMitAFBVV95cUxNWUI2Q1JpUmZuWm5STUVTZVdjMkdTNGQyT2hQeFpQdzNKa3AwdG9nMGZMbUw4bTJOZXNZQVljYm9BR0psTEF4OTlkYXpuTlh0OFE4NnBUR1RuMmN2Wkt4ajd3dVZ0RVJlY24za3RSdUFIRXgxMk9Xb2ZlQUZMYm5sZjVXVl9RWmVRUjN2c3FyZXhuVVY5NG1qNHJ6enN3Y2pnZjdCZEE3YVYzUElYTTVlX3VlUnk?oc=5) · Lincoln Parish Journal
- 2026-04-21 [Courthouse Records: Civil cases, marriages, and deed transactions through April 16, 2026 - natchezdemocrat.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxPYlBnTGZpazFEYmpJSjl5R3ROdkZGTHp3S0FwY0VjbUxGWllTc3lnRVVkZzYxTjFBX1E5SWVRVVU5UkR4OEg2NEo2eU1WaEl4NVllUVczbmhuQ3U5ZW9JOWNLbjBZUWQ3QVNPc2ZUb2lsb25SNEJ5Z2ROS1lweE5nTDlHaXZ5YkVpRmNPN2QxeVZMaTI5N2ZVX0U3ckZ4aHRvbHdJUWpIQ0dOZFEyVEpmcEZtaUhyMEZRMkZOV1c1WVI2aGRYN2pGX2dScHp1UQ?oc=5) · natchezdemocrat.com
- 2014-01-25 [Margaret "Peggy" Crozat Obituary Jan 25, 2014 - Riemann Family Funeral Homes](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBVekJpaGswR3FMVnprVjFsOXdQeUF3aHNqR3VKS3p4RFhZeGt1NjZQVTB5TG1QMkRjbDdtTUxLQ2U0MHlSbUQ2eWdCMEpfZjVMNnlpaWlfaHJxQzFtYk94SWdLbUlIQzQ?oc=5) · Riemann Family Funeral Homes
- 2012-07-25 [Clifton Merritt Obituary (2012) - Baton Rouge, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNRGRqOU91UnI3cG15VDhER0o0OTd1OVBpU2ZXOHAzVWE5MGRRTGtXV2VfVnZ4YWFCUGdJWFVkNWpqWVZZRjdVNHU0b2dGQUhLS0l5c19wd2VPYUw1ZEVsa2tfUG03VldJdlV1bkJ5UkdSekdueFFJSmhTVkdKX2VEWnBYNW1XQm15RGhQUVRGbHFsWjNx?oc=5) · legacy.com
- 2025-11-26 [Courthouse Records: Civil cases, marriages, and deed transactions through Nov. 20, 2025 - natchezdemocrat.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxPbndCNnE4dEZrRVcxVVlvdDFkX1N0c29ISncwbWhZcUR6YnNCZ3doVS1aeFVZa1BxY1dzYUctVDN2eHM1Y3Z2YnJ5WVQzd0pmSzAtdHE5S3R6UWVKWTFLSGN2Vks4ZWppVzdhdmxuR253dDFfcGFBbFI1R3gtaHpZSEFLbS1sczZJZHFMWFZRM2t4bzZ1cmNXVVg5MGttdGVVcmVSdW91ZktkYWVrTVUyRDE4TTJMbkhrUlRfclpleW1wR3VoOGZV?oc=5) · natchezdemocrat.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26564 (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/4.json (key "26564", 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.

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