Delta Bank
Vidalia, LA
IDRSSD: 975256
Total Assets
$601.34M
Latest filing
Total Deposits
$532.02M
Latest filing
Net Interest Margin
4.07%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Delta Bank
1617 Carter St
Vidalia, LA 71373
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/10/1986FDIC Certificate 35263
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Delta Bank (Main) | 1617 Carter St | Vidalia, LA |
| LOUISIANA CENTRAL BANK BRANCH | 302 Louisiana Ave | Ferriday, LA |
| VICKSBURG BRANCH | 2150 S Frontage Rd | Vicksburg, MS |
| LAKE PROVIDENCE BRANCH | 406 Lake St | Lake Providence, LA |
| SOUTH CEDAR BRANCH | 401 S Cedar St | Tallulah, LA |
| DELTA BANK NATCHEZ | 173 Highway 61 S | Natchez, MS |
| DELTA - BANK BASTROP BRANCH | 6001 Mer Rouge Road | Bastrop, LA |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/10/1986 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 71373 |
| State and County Number | 22029 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Natchez, MS-LA |
Operational Info
| Number of Employees | 87 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/10/1986 |
| Primary Insurance Agency | DIF |
| Website | www.deltabk.com |
| Data Updated | 11/14/2025 |
| CERT | 26564 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $601.34M |
| Total Deposits | $532.02M |
| Total Liabilities | $541.77M |
| Total Equity Capital | $59.57M |
| Net Income | $2.64M |
| Net Loans and Leases | $442.27M |
| Assets Per Employee ($Millions) | $7.07M |
| Bank Premises and Fixed Assets | $4.89M |
| Cash and Balances due from Depository Institutions | $12.00M |
| Deposits Held in Domestic Offices | $532.02M |
Key Performance Ratios
| Return on Assets (ROA) | 1.73% |
| Return on Equity (ROE) | 17.87% |
| Net Interest Margin | 4.07% |
| Efficiency Ratio | 54.35% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.31% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.906% |
| Earning Assets to total Assets | 95.39% |
Income and Expense
| Total Interest Income | $9.05M |
| Total Noninterest Income | $936.00k |
| Total Interest Expense | $3.12M |
| Total Noninterest Expense | $3.73M |
| Net Interest Income | $5.93M |
| Pre-tax Net Operating Income | $2.65M |
| Provision for Credit Losses | $475.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $343.00k |
| Other borrowed funds | $7.86M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.89M |
| Total Liabilities and Capital | $601.34M |
Securities
| Securities | $128.46M |
| Available-for-sale debt securities | $23.84M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $104.56M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Delta Bank?
$601.34M as of the latest filing.
How much are Delta Bank's total deposits?
$532.02M in total deposits.
Where is Delta Bank located?
Vidalia, LA.
What is the Net Interest Margin?
4.07%.
How many domestic offices does it operate?
7.
When was it established?
01/10/1986.
What is the Return on Assets (ROA)?
1.73%.
How much are total loans and leases?
$442.27M (latest filing).
What is the total interest income (latest filing)?
$9.05M.