Dlp Bank
Starke, FL·RSSD 853934·FDIC 17734·bank:853934·CBLR opted in
- #59 of 85Total assets in Florida
- 3offices
- 38employees
- Top 5%Cost of deposits vs. peers
- Top 6%Lowest cost of deposits in the U.S.
- Top 7%Deposit growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Dlp Bank
12 of 24 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Funding pressure buildingWorth a look: Funding FORFI signal 2nd quarter0.88%peers 1.80%-91 bps
Dlp Bank's cost of deposits has not eased the way it has at similar banks, while noninterest-bearing deposits lost share.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 0.88% | 1.80% | -91 bps |
| Share of deposits that pay no interest | ||
| 36.6% | 20.5% | +16.0 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Dlp Bank itself is left out of every peer median and percentile. How signals work
Margin squeezed by funding costsWorth a look: Earnings FORFI signal 2nd quarter4.67%peers 3.99%+68 bps
Dlp Bank's net interest margin lagged similar banks as its cost of deposits failed to fall as quickly.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 4.67% | 3.99% | +68 bps |
| Cost of all deposits | ||
| 0.88% | 1.80% | -91 bps |
With internal data, FORFI would look at: Which relationships and products carry the rates behind the gap, and where pricing has drifted.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Dlp Bank itself is left out of every peer median and percentile. How signals work
Commercial lending growing with steady creditStrength: Lending FORFI signal+59.0%peers +2.3%+56.7 pp
Dlp Bank's C&I loans grew faster than at similar banks, without a material rise in problem loans or net charge-offs.
| This institution | Peer median | Difference |
|---|---|---|
| Commercial and industrial loans, 12-month growth | ||
| +59.0% | +2.3% | +56.7 pp |
With internal data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Dlp Bank itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency 2nd quarter74.2%peers 60.8%+13.4 pp
Dlp Bank's efficiency ratio rose 13.2 percentage points over the past year to 74.2%. Among 1432 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 74.2% | 60.8% | +13.4 pp |
| 12-month change | ||
| +13.2 pp | -2.1 pp | +15.3 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Dlp Bank itself is left out of every peer median and percentile. How signals work
Problem loans falling while the peer median holds steadyStrength: Asset quality1.45%peers 0.43%+102 bps
Dlp Bank's noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans fell 102 bps over the past year to 1.45%. Among 1431 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 1.45% | 0.43% | +102 bps |
| 12-month change | ||
| -102 bps | 0 bps | -102 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Dlp Bank itself is left out of every peer median and percentile. How signals work
7 more observations
- Noninterest-bearing deposit share falling faster than peersFunding
- Net interest margin narrowing while the peer median widensEarnings
- Deposit costs rising while the peer median fallsFunding
- Return on assets falling while the peer median risesEarnings
- C&I lending growing faster than peersLending
- Deposit costs among the lowest of similar banksFunding
- Deposits growing faster than peersFunding
Key facts
- Dlp Bank is a bank headquartered in Starke, Florida. It reported $301 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $242 million, up 18.8% from a year earlier, and loans totaled $119 million, up 11.8%.
- Its net interest margin was 4.67% and its annualized return on assets was 0.88% for the quarter.
- Its cost of all deposits was 0.88%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Dlp Bank's own data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
Analysis workspaces
Sources and identifiers
- Institution
- Dlp Bank · Bank
- Federal Reserve RSSD
- 853934
- FDIC certificate
- 17734
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Dlp Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $664K | — | |
| $3.67M | — | |
| $536K | — | |
| $3.14M | — | |
| $396K | — | |
| $2.62M | — | |
| $0 | — | |
| $0 | — | |
| 0.88% | 0.88%ROAQ · Quarter | |
| 4.67% | 4.66%NIMYQ · Quarter | |
| 74.20% | 67.43%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.