Delta Trust & Bank


1853 Highway 165 South
Parkdale, AR 71661
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.25% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Delta Trust & Bank is an FDIC insured institution located in Parkdale, AR. It was founded in 1910 and has approximately $0.44 billion in assets.

FDIC Insured Yes
FDIC Certificate # 92
Date Established 1910
Assets $ 435.07 million
Loans $ 310.70 million
Deposits $ 344.65 million
Capital $ 65.78 million

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

Deposit Rates - September 22, 2021

Your Current Location: California, CA 92111


Loan Rates - September 22, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for Delta Trust & Bank

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

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
First Internet Bank
NMLS ID: 424182
2.680% 2.625%
0.75 points
$1,805 fees
$1,005 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Delta Trust & Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Delta Trust & Bank 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:
San Diego,California

Delta Trust & Bank Locations

Financial Details

Delta Trust & Bank Ratio Analysis

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

Texas Ratio
Delta Trust & Bank U.S. Bank Average
14.93% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 March 31, 2021, Delta Trust & Bank had $8,028,000 in non-current loans and $1,791,000 in owned real estate. To cover these potential losses it had $65,780,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 14.93%.

Return on Equity
Delta Trust & Bank U.S. Bank Average
4.52% 11.43%

Delta Trust & Bank has a Return on Equity of 4.52% versus the BestCashCow average of 11.43%. 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.

Delta Trust & Bank U.S. Bank Average
15.12% 11.51%

Delta Trust & Bank has a Capitalization of 15.12% versus the BestCashCow average of 11.51. 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.

Delta Trust & Bank Balance Sheet Analysis

As of September 30, 2014, Delta Trust & Bank had assets of $435,068,000, loans of $310,697,000, and deposits of $344,654,000. 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

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 310.70 million
Loan loss allowance N.A.
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.79 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 344.65 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 435.07 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

Compared to other banks in Arkansas, Delta Trust & Bank has a significantly higher percent of Multifamily Mortgages, Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.42
Credit Card Loans 0.00
Consumer Auto Loans 0.16
Small Business Loans 14.49
Construction and Development Loans 7.07
Commercial Real Estate 44.90
Commercial and Industrial Loans 11.45
Farm Loans 2.34

Frequently Asked Questions About Delta Trust & Bank

Branches and Savings

Is Delta Trust & Bank FDIC insured?

Yes. It is covered under FDIC Certificate #92.

Why does Delta Trust & Bank pay such low interest on savings accounts?

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

Why are Delta Trust & Bank CD rates not competitive?

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

Is Delta Trust & Bank a commercial bank?


Where are Delta Trust & Bank locations?

See branch locations nearby.

Is Delta Trust & Bank open on Saturdays?

Is Delta Trust & Bank open on Sundays?

What time does Delta Trust & Bank open?

What time does Delta Trust & Bank close?

Are Delta Trust & Bank ATMs Open 24/7?

Do Delta Trust & Bank ATMs accept cash deposits?

Can Delta Trust & Bank customers use other ATMs?

Do Delta Trust & Bank branches have notaries?

Will Delta Trust & Bank notarize my document?

What address for Delta Trust & Bank should I put for incoming ACH transfers?

Will the Delta Trust & Bank branch print checks?

Do Delta Trust & Bank checks expire?

Does Delta Trust & Bank require US citizenship to open account?

Can Delta Trust & Bank close my account?

Does Delta Trust & Bank Report to credit bureaus?

Does Delta Trust & Bank Use Equifax?

What is Delta Trust & Bank's ACH Routing Number?

What is Delta Trust & Bank's SWIFT code?


Does Delta Trust & Bank offer mortgages?

Compare mortgage rates here.

Does Delta Trust & Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Delta Trust & Bank offer personal loans?

Compare personal loan rates here.

Does Delta Trust & Bank offer student loans?

Will Delta Trust & Bank cash a check?

Will Delta Trust & Bank redeem a savings bond?

Does Delta Trust & Bank cash savings bonds?

Will Delta Trust & Bank cash money orders?

Can Delta Trust & Bank issue a money order?

Does Delta Trust & Bank do currency exchange?

Background on The Bank

Who owns Delta Trust & Bank?

How long has Delta Trust & Bank been around?

Can Delta Trust & Bank transfer to other banks?

Does Delta Trust & Bank have quick pay?

Does Delta Trust & Bank accept rolled coins?

Will Delta Trust & Bank accept loose change?

Where is Delta Trust & Bank headquarters?

Customer Reviews for Delta Trust & Bank

There are currently no comments for Delta Trust & Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →