Bank of Delight

503 E Antioch Street
Delight, AR 71940

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 99
Date Established 1911
Assets $0.11 billion
Loans $0.09 billion
Deposits $0.08 billion
Capital $0.02 billion

Bank of Delight is an FDIC insured institution located in Delight, AR. It was founded in 1911 and has approximately $0.11 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of Bank of Delight's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of Delight’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks, Bank of Delight’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 21.33
Multifamily
Mortgages
1.71
Credit Card Loans 0.00
Consumer Auto Loans 0.98
Small Business Loans 16.72
Construction and Development Loans 1.44
Commercial Real Estate 22.65
Commercial and Industrial Loans 10.15
Farm Loans 6.81

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Delight

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.409% 4.375% 0.00 $1,104 $1,249 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.490% $283.58 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More

Note to Bank of Delight
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Branches

Bank of Delight branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bank of Delight Locations

Financial Details

Bank of Delight Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Delight. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Delight U.S. Bank Average
1.83% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Bank of Delight had $154,000 in non-current loans and $198,000 in owned real estate. To cover these potential losses it had $18,391,000 in equity and $850,000 in loans loss reserves. That gives it a Texas Ratio of 1.83%.

Return on Equity
Bank of Delight U.S. Bank Average
8.88% 8.84%

Bank of Delight has a Return on Equity of 8.88% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of Delight U.S. Bank Average
16.73% 12.21%

Bank of Delight has a Capitalization of 16.73% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Delight Balance Sheet Analysis

As of December 31, 2017, Bank of Delight had assets of $109,916,000, loans of $87,398,000, and deposits of $83,761,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.09 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.09 billion
LIABILITIES
Total deposits $0.08 billion
      Interest-bearing deposits $0.07 billion
      Deposits held in domestic offices $0.08 billion
      % insured (estimated) 85.37%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.09 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Bank Of Delight

Branches and Savings

Is Bank Of Delight FDIC insured?

Yes. It is covered under FDIC Certificate #99.

Why does Bank Of Delight pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of Delight CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of Delight a commercial bank?

Yes

Where are Bank Of Delight locations?

See branch locations nearby.

Is Bank Of Delight open on Saturdays?

Is Bank Of Delight open on Sundays?

What time does Bank Of Delight open?

What time does Bank Of Delight close?

Are Bank Of Delight ATMs Open 24/7?

Do Bank Of Delight ATMs accept cash deposits?

Can Bank Of Delight customers use other ATMs?

Do Bank Of Delight branches have notaries?

Will Bank Of Delight notarize my document?

What address for Bank Of Delight should I put for incoming ACH transfers?

Will the Bank Of Delight branch print checks?

Do Bank Of Delight checks expire?

Does Bank Of Delight require US citizenship to open account?

Can Bank Of Delight close my account?

Does Bank Of Delight Report to credit bureaus?

Does Bank Of Delight Use Equifax?

What is Bank Of Delight's ACH Routing Number?

What is Bank Of Delight's SWIFT code?

Products

Does Bank Of Delight offer mortgages?

Compare mortgage rates here.

Does Bank Of Delight offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Delight offer personal loans?

Compare personal loan rates here.

Does Bank Of Delight offer student loans?

Will Bank Of Delight cash a check?

Will Bank Of Delight redeem a savings bond?

Does Bank Of Delight cash savings bonds?

Will Bank Of Delight cash money orders?

Can Bank Of Delight issue a money order?

Does Bank Of Delight do currency exchange?

Background on The Bank

Who owns Bank Of Delight?

How long has Bank Of Delight been around?

Can Bank Of Delight transfer to other banks?

Does Bank Of Delight have quick pay?

Does Bank Of Delight accept rolled coins?

Will Bank Of Delight accept loose change?

Where is Bank Of Delight headquarters?

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