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Delta Bank
Vidalia, LA · FDIC Certificate #26564 · Chartered 01/1
Total assets
$631.97M
Total deposits
$558.50M
Total equity
$61.74M
Net loans
$471.03M
Branches (offices)
7
Net income (YTD)
$5.95M
Rank: #1,494 of 4,213 U.S. banks by assets · #33 of 103 in Louisiana. Assets changed 2.1% and deposits 6.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.93% |
| Return on equity | 19.54% |
| Net interest margin (YTD) | 4.31% |
| Equity to assets | 9.77% |
| Tier 1 leverage ratio | 10.04% |
| Uninsured deposits (share of deposits) | 34.5% |
| Noncurrent loans (share of loans) | 1.04% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 84.3% |
| Real estate loans (share of loans) | 66.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $313.76M | 66.6% | |
| Commercial & industrial | $38.20M | 8.1% | |
| Consumer / individual | $7.76M | 1.6% | |
| Construction & development | $17.01M | 3.6% | |
| Agricultural | $101.32M | 21.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $507.33M | $457.86M | $3.57M | $48.53M |
| Jun 2023 | $565.66M | $498.97M | $3.45M | $50.23M |
| Jun 2024 | $601.65M | $494.00M | $4.33M | $55.71M |
| Jun 2025 | $619.24M | $526.94M | $5.83M | $58.60M |
| Jun 2026 | $631.97M | $558.50M | $5.95M | $61.74M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Louisiana | $460.59M | 5 |
| Mississippi | $97.91M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $558.50M.
Similar-sized banks
First Independent Bank ($632.34M) · Quaint Oak Bank ($631.47M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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