Bank of Delight

Bank of Delight is headquartered in Delight and is the 103^rd largest bank in the state of Arkansas. It is also the 5,467^th largest bank in the nation. It was established in 1911 and as of December of 2011, it had grown to 19 employees at 2 locations. Bank of Delight has a 4-star health rating.

Bank of Delight Routing Number: 082903264

Data for Q4 2011

Institution Statistics Bank of Delight FDIC Certificate # 99 BankRate Report View Year Established 1911 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $80.34 million Loans $43.38 million Deposits $63.16 million Equity Capital $16.78 million Loan Loss Allowance $896,000 Unbacked Noncurrent Loans $1.42 million Real Estate Owned $366,000 Historic Data - December 2010 Assets $83.45 million Equity Capital $16.42 million Loan Loss Allowance $853,000 Unbacked Noncurrent Loans $688,000 Real Estate Owned $366,000 Profit Margin - Quarterly Net Interest Margin 3.48% Return on Assets 1.35% Return on Equity 6.69% Interest Income $3.39 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Delight had $1.79 million in non-current loans and owned real-estate with $17.68 million in equity and loan loss allowances on hand to cover it. This gives Bank of Delight a Texas Ratio of 10.11% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Delight held steady from 6.10% as of December 31, 2010 to 10.11% as of December 31, 2011, resulting in a negative change of 65.73%. This indicates that the balance sheet and financial strength for Bank of Delight has held steady in recent periods. Deposit Growth In the past year, Bank of Delight has decreased its total deposits by -$3.54 million, resulting in -5.31% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Delight has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Delight has $80.34 million in assets with $17.68 million in equity, resulting in a capitalization level of 22.00%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.