First Delta Bank

Headquarters

214 Hester Parker Drive
Marked Tree, AR 72365
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.25% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
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

First Delta Bank is an FDIC insured institution located in Marked Tree, AR. It was founded in 1951 and has approximately $0.06 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 17047
Date Established 1951
Assets $ 58.38 million
Loans $ 20.69 million
Deposits $ 52.80 million
Capital $ 8.15 million
 

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

Deposit Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

 

Loan Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Delta Bank

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




Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

Note to First Delta Bank
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Branches

First Delta 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:
Fairfield,Connecticut


First Delta Bank Locations


Financial Details

First Delta Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Delta Bank. 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
First Delta Bank U.S. Bank Average
3.51% 5.49%

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 December 31, 2020, First Delta Bank had $178,000 in non-current loans and $108,000 in owned real estate. To cover these potential losses it had $8,150,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 3.51%.

Return on Equity
First Delta Bank U.S. Bank Average
4.73% 9.24%

First Delta Bank has a Return on Equity of 4.73% versus the BestCashCow average of 9.24%. 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
First Delta Bank U.S. Bank Average
13.96% 11.96%

First Delta Bank has a Capitalization of 13.96% versus the BestCashCow average of 11.96. 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.

First Delta Bank Balance Sheet Analysis

As of September 30, 2019, First Delta Bank had assets of $61,066,000, loans of $20,688,000, and deposits of $52,799,000. 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

December 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 2.16 million
Interest-bearing balances $ 0.00 million
Total securities $ 2.27 million
Federal funds sold and reverse repurchase $ 31.08 million
Net loans and leases $ 20.69 million
Loan loss allowance N.A.
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.11 million
Goodwill and other intangibles $ 2.05 million
All other assets $ 1.07 million
     Total Assets $ 52.92 million
LIABILITIES
Total deposits $ 52.80 million
      Interest-bearing deposits $ 39.46 million
      Deposits held in domestic offices $ 52.80 million
      % insured (estimated) 86.71%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.12 million
      Total Liabilities $ 52.92 million
      Shareholders’ Equity $ 5.46 million

Summary Income Statement

December 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.52 million
Total Interest Expense $ 0.06 million
Net interest income $ 0.46 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.06 million
Total non interest expense $ 0.38 million
Pre-tax Net Operating Income $ 0.15 million

Bank Loan Profile?

The top three loan types in First Delta Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Arkansas, First Delta Bank has a significantly higher percent of Farm Loans 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 8.56
Multifamily
Mortgages
3.08
Credit Card Loans 0.00
Consumer Auto Loans 0.94
Small Business Loans 0.00
Construction and Development Loans 0.17
Commercial Real Estate 8.11
Commercial and Industrial Loans 16.76
Farm Loans 51.88

Frequently Asked Questions About First Delta Bank

Branches and Savings

Is First Delta Bank FDIC insured?

Yes. It is covered under FDIC Certificate #17047.

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

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

Why are First Delta Bank CD rates not competitive?

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

Is First Delta Bank a commercial bank?

Yes

Where are First Delta Bank locations?

See branch locations nearby.

Is First Delta Bank open on Saturdays?

Is First Delta Bank open on Sundays?

What time does First Delta Bank open?

What time does First Delta Bank close?

Are First Delta Bank ATMs Open 24/7?

Do First Delta Bank ATMs accept cash deposits?

Can First Delta Bank customers use other ATMs?

Do First Delta Bank branches have notaries?

Will First Delta Bank notarize my document?

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

Will the First Delta Bank branch print checks?

Do First Delta Bank checks expire?

Does First Delta Bank require US citizenship to open account?

Can First Delta Bank close my account?

Does First Delta Bank Report to credit bureaus?

Does First Delta Bank Use Equifax?

What is First Delta Bank's ACH Routing Number?

What is First Delta Bank's SWIFT code?

Products

Does First Delta Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does First Delta Bank offer personal loans?

Compare personal loan rates here.

Does First Delta Bank offer student loans?

Will First Delta Bank cash a check?

Will First Delta Bank redeem a savings bond?

Does First Delta Bank cash savings bonds?

Will First Delta Bank cash money orders?

Can First Delta Bank issue a money order?

Does First Delta Bank do currency exchange?

Background on The Bank

Who owns First Delta Bank?

How long has First Delta Bank been around?

Can First Delta Bank transfer to other banks?

Does First Delta Bank have quick pay?

Does First Delta Bank accept rolled coins?

Will First Delta Bank accept loose change?

Where is First Delta Bank headquarters?

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