Delta Bank (FDIC #26564): Bank Stress & Real-Estate Credit Exposure
Delta Bank (FDIC Cert #26564): bank stress 53/100, moderate, STABLE over 7 days; parent CENTRAL LOUISIANA CAPITAL CORP.
Delta Bank (#26564) lends in 6 counties across 2 states; Delta Bank (#26564) reaches 25 ZIP codes: Louisiana 4 counties, 20 ZIPs; Mississippi 2 counties, 5 ZIPs.
Delta Bank (#26564) largest markets: Morehouse County, LA (7 branches, 7 ZIPs) (#26564), Concordia County, LA (12 branches, 6 ZIPs) (#26564), East Carroll County, LA (4 branches, 4 ZIPs) (#26564), Madison County, LA (4 branches, 4 ZIPs) (#26564), Warren County, MS (3 branches, 3 ZIPs) (#26564), Adams County, MS (2 branches, 2 ZIPs) (#26564).
Delta Bank (#26564) reports $632.0 million in total assets; Delta Bank (#26564) equity $61.7 million (9.8% of Delta Bank (#26564) assets); Delta Bank (#26564) domestic deposits $558.5 million; Delta Bank (#26564) net income $5.9 million; Delta Bank (#26564) return on assets 1.93%; Delta Bank (#26564) return on equity 19.54%; Delta Bank (#26564) net interest income $12.8 million; Delta Bank (#26564) call report June 30, 2026.
Delta Bank (#26564) noncurrent real-estate loans: none reported; Delta Bank (#26564) net charge-offs on real estate 0.65%; Delta Bank (#26564) residential charge-offs 0.33%.
Delta Bank (#26564) net interest margin 4.31% against an eight-quarter Delta Bank (#26564) average of 4.04% (Delta Bank (#26564) compression -0.27 points); Delta Bank (#26564) non-residential real estate 33.1% of equity; Delta Bank (#26564) rate-exposure score 40/100, Delta Bank (#26564) fixed-rate trap 40/100; Delta Bank (#26564) risk type credit driven; Delta Bank (#26564) rate regime rates elevated, Delta Bank (#26564) snapshot October 19, 2026.
Delta Bank (#26564) stress score moved from 52.5 on June 22, 2026 to 52.8 on October 20, 2026; Delta Bank (#26564) ranged 52.5 to 52.8 over 117 snapshots.
Delta Bank (#26564) alerts: 6 counties; top Delta Bank (#26564) alert scores: Bastrop County, LA 19 (low); Lake Providence County, LA 19 (low); Natchez County, LA 19 (low); Tallulah County, LA 19 (low); Vicksburg County, LA 19 (low).