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Overview / Commentary
611 North Main Street
Manteca, CA 95336

Delta Bank, National Association is headquartered in Manteca and is the 200th largest bank in the state of California. It is also the 4,776th largest bank in the nation. It was established in 1973 and as of March of 2014, it had grown to 36 employees at 7 locations. Delta Bank, National Association has a C health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Delta Bank, National Association has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Delta Bank, National Association had $9.58 million in non-current loans and owned real-estate with $8.96 million in equity and loan loss allowances on hand to cover it. This gives Delta Bank, National Association a Texas Ratio of 106.88% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Delta Bank, National Association decreased dramatically from 177.47% as of March 31, 2013 to 106.88% as of March 31, 2014, resulting in a positive change of 39.77%.This indicates that the balance sheet and financial strength for Delta Bank, National Association has improved dramatically in recent periods.

Deposit Growth


In the past year, Delta Bank, National Association has increased its total deposits by $3.61 million, resulting in 4.2% 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 Delta Bank, National Association has shown is excellent.



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. Delta Bank, National Association has $98.05 million in assets with $8.96 million in equity, resulting in a capitalization level of 9.14%, which is average.

Institution Statistics

FDIC Certificate #21147
Year Established1973
Primary RegulatorOCC
Assets and Liabilities
Assets$98.05 million
Loans$33.15 million
Deposits$89.63 million
Equity Capital$8.20 million
Loan Loss Allowance$766,000
Unbacked Noncurrent Loans$95,000
Real Estate Owned$9.48 million
Historic Data - March 2013
Assets$95.31 million
Equity Capital$9.04 million
Loan Loss Allowance$776,000
Unbacked Noncurrent Loans$95,000
Real Estate Owned$13.51 million
Profit Margin - Quarterly
Net Interest Margin3.24%
Return on Assets1.09%
Return on Equity13.04%
Interest Income$657,000

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Delta Bank, National Association Locations
Riverbank Branch2401 Patterson RoadRiverbank, CA 95367
Modesto Branch2711 Mchenry AvenueModesto, CA 95350
Turlock Branch3700 Geer RoadTurlock, CA 95382
Delta Bank, National Association611 North Main StreetManteca, CA 95336