| Metric | DLP Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.7% | +4.4% | +15.4 pts |
| Deposit growth (YoY) | +18.8% | +4.0% | +14.9 pts |
| Loan growth (YoY) | +11.6% | +5.6% | +6.1 pts |
| ROA | 0.84% | 1.24% | -0.4 pts |
| ROE | 4.4% | 11.9% | -7.5 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $301.4M | $241.5M | $116.7M | $58.2M | $1.3M | 0.84% | 4.49% | 0.94% |
| Q1 2026 | $305.1M | $245.5M | $112.8M | $57.7M | $605K | 0.80% | 4.30% | 1.61% |
| Q4 2025 | $303.0M | $244.8M | $112.0M | $57.3M | $735K | 0.28% | 0.93% | 1.67% |
| Q3 2025 | $256.9M | $206.4M | $104.2M | $48.8M | $3.0M | 1.58% | 5.75% | 1.59% |
| Q2 2025 | $251.8M | $203.2M | $104.5M | $47.2M | $2.1M | 1.67% | 5.93% | 1.65% |
| Q1 2025 | $248.9M | $200.7M | $112.4M | $46.6M | $930K | 1.50% | 5.67% | 1.31% |
| Q4 2024 | $247.3M | $201.1M | $112.3M | $45.1M | $3.5M | 1.40% | 5.74% | 1.47% |
| Q3 2024 | $260.2M | $213.3M | $102.3M | $46.0M | $2.6M | 1.37% | 5.64% | 1.42% |
Loan mix (Q2 2026): real estate $88.5M · commercial $25.5M · consumer $1.4M · securities $37.8M
| Ratio | DLP Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 1.24% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 11.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.3% | 62.9% | 65th |
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% |
| Ratio | DLP 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% |
| Ratio | DLP 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% |
| Ratio | DLP 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% |
| Ratio | DLP Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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