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1853 Highway 165 South
Parkdale, AR 71661

Delta Trust & Bank is headquartered in Parkdale and is the 24th largest bank in the state of Arkansas. It is also the 1,523rd largest bank in the nation. It was established in 1910 and as of March of 2014, it had grown to 129 employees at 9 locations. Delta Trust & Bank's savings rates are 94% higher than the national average, and it has a B health rating.

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Data for Q1 2014

Institution Health


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 Trust & Bank had $9.38 million in non-current loans and owned real-estate with $47.97 million in equity and loan loss allowances on hand to cover it. This gives Delta Trust & Bank a Texas Ratio of 19.56% 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 Delta Trust & Bank decreased slightly from 25.43% as of March 31, 2013 to 19.56% as of March 31, 2014, resulting in a positive change of 23.09%.This indicates that the balance sheet and financial strength for Delta Trust & Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Delta Trust & Bank has decreased its total deposits by -$1.05 million, resulting in -0.27% 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 Trust & Bank has shown is average.



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 Trust & Bank has $444.05 million in assets with $47.97 million in equity, resulting in a capitalization level of 10.80%, which is above average.

Institution Statistics

FDIC Certificate #92
Year Established1910
Primary RegulatorFDIC
Assets and Liabilities
Assets$444.05 million
Loans$322.23 million
Deposits$388.63 million
Equity Capital$41.94 million
Loan Loss Allowance$6.03 million
Unbacked Noncurrent Loans$6.11 million
Real Estate Owned$3.27 million
Historic Data - March 2013
Assets$441.82 million
Equity Capital$39.09 million
Loan Loss Allowance$5.53 million
Unbacked Noncurrent Loans$6.11 million
Real Estate Owned$3.28 million
Profit Margin - Quarterly
Net Interest Margin3.83%
Return on Assets0.97%
Return on Equity10.31%
Interest Income$4.42 million
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Delta Trust & Bank Savings Account Rates

1.01%$10k-Delta Trust Health Savings Account
1.01%$10k-Business Delta Trust Health Savings Account
0.58%$15k-Delta Trust Net Savings Account
0.58%$15k-Business Delta Trust Net Savings Account

Delta Trust & Bank Locations
Walton Heights Branch11700 Cantrell RoadLittle Rock, AR 72223
Chenal Branch16600 Chenal ParkwayLittle Rock, AR 72211
Fayetteville Branch1676 E JoyceFayetteville, AR 72703
Bella Vista Branch1790 Forest Hills BoulevardBella Vista, AR 72715
Delta Trust & Bank1853 Highway 165 SouthParkdale, AR 71661
Hillcrest Branch2924 Kavanaugh Blvd.Little Rock, AR 72205
Eudora Branch2943 Highway 65 SouthEudora, AR 71640
Wilmot Branch418 East Main StreetWilmot, AR 71676
Hamburg Branch612 South Main StreetHamburg, AR 71646