Delta Bank
Total assets
$632.0M
▲ +2.1% YoY
Deposits
$558.5M
▲ +6.0% YoY
Loans
$471.0M
▲ +1.5% YoY
Offices
7
CENTRAL LOUISIANA CAPITAL CORP
ROA (annualized)
1.93%
peers 1.28%
ROE (annualized)
19.54%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Delta Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +4.9% | -2.8 pts |
| Deposit growth (YoY) | +6.0% | +4.3% | +1.7 pts |
| Loan growth (YoY) | +1.5% | +5.3% | -3.9 pts |
| ROA | 1.93% | 1.28% | +0.6 pts |
| ROE | 19.5% | 12.4% | +7.1 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
Profile
- Established
- 1986
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- CENTRAL LOUISIANA CAPITAL CORP
- Specialization
- Agricultural Specialization
- Address
- 1617 Carter St, Vidalia, LA, 71373
- County
- Concordia
- Metro area
- Natchez, MS-LA
- Offices
- 7
- FDIC cert #
- 26564
- RSSD ID
- 975256
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $632.0M | $558.5M | $471.0M | $61.7M | $5.9M | 1.93% | 4.31% | 0.89% |
| Q1 2026 | $618.1M | $556.5M | $441.3M | $60.4M | $2.9M | 1.88% | 4.32% | 0.83% |
| Q4 2025 | $601.6M | $539.3M | $430.3M | $60.5M | $11.1M | 1.87% | 4.10% | 1.74% |
| Q3 2025 | $601.3M | $532.0M | $442.3M | $59.6M | $8.5M | 1.89% | 4.07% | 1.53% |
| Q2 2025 | $619.2M | $526.9M | $464.2M | $58.6M | $5.8M | 1.96% | 4.04% | 1.32% |
| Q1 2025 | $601.0M | $527.7M | $423.3M | $57.0M | $2.4M | 1.62% | 3.93% | 0.93% |
| Q4 2024 | $562.0M | $487.9M | $403.8M | $57.0M | $9.6M | 1.66% | 3.81% | 0.63% |
| Q3 2024 | $609.0M | $493.7M | $441.7M | $57.0M | $7.3M | 1.67% | 3.76% | 0.28% |
Loan mix (Q2 2026): real estate $313.8M · commercial $38.2M · consumer $7.8M · securities $125.6M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Delta Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.93% | 1.28% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 19.5% | 12.4% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.89% | 74th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.3% | 61.2% | 32th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Delta Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Delta Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Delta Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Delta Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Community Bank of LouisianaMansfield, LA · $852.9M
- Century Next BankRuston, LA · $916.4M
- Resource BankCovington, LA · $980.7M
- First National Banker's BankBaton Rouge, LA · $983.0M
- Minster BankMinster, OH · $811.6M
- CUSB BankCresco, IA · $812.1M
Selling to Delta Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.