# BANK OF DELIGHT
DELIGHT, AR · FDIC certificate 99 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $201.0M | |
| Deposits | $169.2M | |
| Loans and leases | $179.0M | |
| Total equity | $27.2M | |
| Loans / deposits | 105.03% (p95 of band) | 73.59% |
| Liquid assets / assets | 9.60% (p3 of band) | |
| Uninsured deposits / deposits | 15.52% (p34 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.76% (p58 of band) | |
| FHLB advances / assets | 1.76% | |
| Tier 1 leverage | 13.39% (p66 of band) | 11.76% |
| Unrealized securities loss / equity | 0.02% (p98 of band) | -6.57% |
| AOCI / equity | -0.02% (p69 of band) | |
| ROA (annualized) | 2.02% (p86 of band) | 1.17% |
| Net interest margin | 4.14% (p62 of band) | 3.93% |
| Efficiency ratio | 49.17% (p12 of band) | |
| Noncurrent loans | 0.29% (p46 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p67 of band) | |
| Reserve coverage of noncurrent | 253.42% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 14.53% (p46 of band) | |
| Auto loans | $2.2M (1.21% of loans; DQ 1.89%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.0% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | capital falling | reserve under noncurrent |
| 2013-06 | 1 | reserve under noncurrent | capital falling |
| 2013-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2013-12 | 4 | assets shrinking |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 1 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2014-12 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | capital falling, reserve under noncurrent |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 | charge-offs p90 | capital falling, reserve under noncurrent |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 2 | loans exceed deposits, capital falling |  |
| 2016-12 | 1 |  | loans exceed deposits |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 | loans exceed deposits | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | brokered >10%, wholesale funding >15%, capital falling | loans exceed deposits |
| 2018-06 | 2 |  | brokered >10% |
| 2018-09 | 2 | loans exceed deposits | capital falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | brokered >10% | loans exceed deposits |
| 2019-06 | 3 | capital falling |  |
| 2019-09 | 3 | loans exceed deposits | capital falling |
| 2019-12 | 0 |  | wholesale funding >15%, brokered >10%, loans exceed deposits |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 3 | wholesale funding >15%, reserve under noncurrent |  |
| 2020-09 | 2 | charge-offs p90 | capital falling, reserve under noncurrent |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 | capital falling | wholesale funding >15%, charge-offs p90 |
| 2021-06 | 1 | wholesale funding >15% | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | charge-offs p90 | wholesale funding >15% |
| 2022-06 | 0 |  | charge-offs p90 |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 2 | loans exceed deposits, charge-offs p90 |  |
| 2023-12 | 1 |  | charge-offs p90 |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 3 | liquid assets <10%, reserve under noncurrent |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | reserve under noncurrent |
| 2026-03 | 1 |  | liquid assets <10% |
| 2026-06 | 2 | liquid assets <10% |  |

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

- 2025-01-20 [Bank of Delight announces loan production office in Arkadelphia - The Arkadelphian](https://news.google.com/rss/articles/CBMiogFBVV95cUxNYXQ4UGduQVV5Ri1QczE2STlORFM1ZlQ3TzBHV2JyVzVrRm5DTGxjcjFKZFp1Q0hKZlVaUlB2YTZGaGZIeHhrUXJncGRvekkyZ2pKSVFNMG0yc1p4bGVWblFyMmdCQzNtRTlITnBjUEdNNmhqZHhYMUVEcVMtVzNwRFllUUVXWWV3Q252N3dSQWRHand2Zkx4REE0QWxWYUxaNkHSAaoBQVVfeXFMT2pPV1doRmQ5N29MZ2pOdmRxcmhhTGU0UjlxYWM0YkZDXzhpS2FtdVhNNmZqRTBxaW9lRjNPZmRRT1BrVzc5MVBjbWJhQ3F0SWlxa01OMHlRWGFBX28zRWpXTUZGd3FHMVVaRHhRNHhRX2hsbEhuQ3ZBX0tELU8teEtjMlY4b2hHWXlRejlpdEpmTzhLWUhsSDRJVEttbjU5a3psSjVLTEM2cEE?oc=5) · The Arkadelphian
- 2016-10-24 [Gurdon Girding for More Bank Competition - Arkansas Business](https://news.google.com/rss/articles/CBMiigFBVV95cUxNUW9tdXJKQzdGUFZpaWh4ZFNOQkZCVURWS2ExaDZUNE9BeWFuWldrZU1hdmRTM2RQWW53N1ZXc1RJcUFIeWdrQ2k2TVJxU3BzQVpSOUVDRGJDd09JdkNWczNCdUk2eVl2bWxsTWc1R1E3WU9JQ0ZrNXd5ZGJNRHJHUTVlRnZELTFkWnc?oc=5) · Arkansas Business
- 2024-01-21 [Gus Wingfield Obituary Jan 21, 2024 - smithfamilycares.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1HSk9ON0ZkeTFqOHBMU09PMEZ2dENHNUhoSzdxQ3JJZEx2NjNsaTk5WF9IaU1VWnhYbTlXMDVOb2x2SkowRExDVGFjUVFmYU5xWTNfREJVUjNnOENFSnpwUjZUS282UUow?oc=5) · smithfamilycares.com
- 2025-06-22 [Daniel Cain Lamb Obituary (2025) - Murfreesboro, AR - Latimer Funeral Home - Murfreesboro - Legacy obituary](https://news.google.com/rss/articles/CBMif0FVX3lxTE5DSkZfQmVFZEFEQW1YYWlGb0l2ZmdUNGEyTUQ4NEdab0xEbjNjTzIxUm1jYlVTWS1jU1l0YmswaW9mTVlycnYtQkZhdXBGRmdtSnZsX2hVcHZfeWFmeEI5SzQ3MldqX285a3ljR2Y2RkVxQzFTenV4Wmx3aURfa00?oc=5) · Legacy obituary
- 2024-09-15 [On the Record for Monday, Sept. 16, 2024 - Texarkana Gazette](https://news.google.com/rss/articles/CBMikgFBVV95cUxNelMxYTMtcjdLeHlXamE0Y2puY2U2cDNFcktvbnp4ampWQlhzQVBidG83M3dUeE1OclBOcGQtY2tXZVNyRXZXeW05ZW5kcFRxaEcwMFZ0cVJGdVRFS0RkSjFMREdZY1dIRlpmbmQwWndQTm9vbnEzZ2dNbU9mTXlFMWJUTVM1WWZMdEVId0xURmgtZw?oc=5) · Texarkana Gazette
- 2023-09-21 [Felicia Summers - The Arkadelphian](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5LNTdKXzc0a0JMZ1hYNTNLM3BfVl9hZ1VuYlUya0dnMFJCTkRLWUJraHRiNklIR2xKS3FWR1EyTFBZMFdETnp6Q1lXa0FZOGlmTzJReDFzb2twVHMxWHp6Z0lR0gFqQVVfeXFMT0dMVlpkOVpPWEtWbDhGTFFBRkVILURvVWFtbmFIWFdPV24xVzl1b1B6eVdSbnJNbU1hM1dvNVlEdXhsRU5CZ3dzbnBGWUNrQTJkYnpnaVhGZTJsb2RJaDJyR1JkV3RGaUFyUQ?oc=5) · The Arkadelphian
- 2025-04-17 [Real Estate: Seven houses sold in Columbia County during past two weeks - Magnolia Reporter](https://news.google.com/rss/articles/CBMitgFBVV95cUxOUWlYRjhCUUlUM2JJOW12RlpxQ2NQOVFyMmdsajNPNXFTMWxhQldKdGxLNmNlc08yU2NYb2laMEgxYzl5VDlBWkpoNFRVWlp1NVVUTnpXbS02YkZsWDBkMi1xYXVkR0Voem9xdDJzM21LeUJhNjZBS0JPdlBBSHhCaXd4RUNLYVFqN2V5U21zcnR3Q2N2ekZLakZwWmllc2xQcEpqWFBGQlBqTW9mTm1DalBzc2FSUQ?oc=5) · Magnolia Reporter
- 2019-04-27 [Terry Allgood Obituary Apr 27, 2019 - smithfamilycares.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTFByV3NKdUQ2NHRzOUJUemczaVdXbUktcndrX2ZPdG9pX0RxRVoxVjdsakllZW92YnpkTC1pUEh6Y0liSzNWUVFKYWNOeTJvbVRud3VuSzNIc2h1TldHNzVGR2tsU2NuVVps?oc=5) · smithfamilycares.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=99 (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/35.json (key "99", 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