The Delaware National Bank of Delhi

The Delaware National Bank of Delhi is headquartered in Delhi and is the 112^st largest bank in the state of New York. It is also the 2,591^st largest bank in the nation. It was established in 1839 and as of March of 2012, it had grown to 55 employees at 4 locations. The Delaware National Bank of Delhi's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

The Delaware National Bank of Delhi Checking Account Rates

The Delaware National Bank of Delhi Savings Account Rates

The Delaware National Bank of Delhi Money Market Rates

The Delaware National Bank of Delhi CD Rates

The Delaware National Bank of Delhi IRA Rates

Data for Q1 2012

Institution Statistics The Delaware National Bank of Delhi FDIC Certificate # 7025 BankRate Report View Year Established 1839 Employees 55 Primary Regulator OCC Assets and Liabilities Assets $247.67 million Loans $83.95 million Deposits $221.51 million Equity Capital $22.78 million Loan Loss Allowance $779,000 Unbacked Noncurrent Loans $1.55 million Real Estate Owned $174,000 Historic Data - March 2011 Assets $213.71 million Equity Capital $19.89 million Loan Loss Allowance $813,000 Unbacked Noncurrent Loans $1.50 million Real Estate Owned $97,000 Profit Margin - Quarterly Net Interest Margin 2.82% Return on Assets 0.64% Return on Equity 6.85% Interest Income $2.11 million

Institution Health Overall Score: 5 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 March 31, 2012 The Delaware National Bank of Delhi had $1.72 million in non-current loans and owned real-estate with $23.56 million in equity and loan loss allowances on hand to cover it. This gives The Delaware National Bank of Delhi a Texas Ratio of 7.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Delaware National Bank of Delhi held steady from 7.70% as of March 31, 2011 to 7.32% as of March 31, 2012, resulting in a positive change of 4.96%.This indicates that the balance sheet and financial strength for The Delaware National Bank of Delhi has held steady in recent periods. Deposit Growth In the past year, The Delaware National Bank of Delhi has increased its total deposits by $32.03 million, resulting in 16.91% 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 The Delaware National Bank of Delhi has shown is excellent. 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. The Delaware National Bank of Delhi has $247.67 million in assets with $23.56 million in equity, resulting in a capitalization level of 9.51%, which is average.

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