Home > Adelphi Bank > Performance and Condition Ratios
Adelphi Bank, Performance and Condition Ratios
| 2025-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 35 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8175% | 419 |
| Cost of funding earning assets | 1.6351% | 2,836 |
| Net interest margin | 5.1824% | 240 |
| Noninterest income to average assets | 0.1100% | 4,065 |
| Noninterest expense to average assets | 6.3205% | 171 |
| Loan and lease loss provision to assets | 0.7100% | 140 |
| Net operating income to assets | -1.9142% | 4,367 |
| Return on assets (ROA) | -1.9142% | 4,404 |
| Pretax return on assets | -1.9142% | 4,401 |
| Return on Equity (ROE) | -7.7900% | 4,341 |
| Retained earnings to average equity (ytd only) | -7.7862% | 4,282 |
| Net charge-offs to loans | 0.0033% | 2,526 |
| Credit loss provision to net charge-offs | 8,400.0000% | 78 |
| Earnings coverage of net charge-offs (x) | -470.0000% | 4,449 |
| Efficiency ratio | 123.6181% | 83 |
| Assets per employee ($millions) | 3.6511% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 1,441 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,783 |
| Net loans and leases to total assets | 76.6400% | 1,071 |
| Net loans and leases to deposits | 99.7001% | 476 |
| Net loans and leases to core deposits | 151.1093% | 167 |
| Total domestic deposits to total assets | 76.8700% | 3,831 |
| Equity capital to assets | 21.5641% | 208 |
| Core capital (leverage) ratio | 23.5057% | 183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,709 |
| Memoranda: | ||
| Average total assets | $77,841,333 | 3,939 |
| Average earning assets | $75,101,000 | 3,912 |
| Average equity | $19,136,333 | 3,059 |
| Average total loans | $60,269,667 | 3,670 |
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8454% | 398 |
| Cost of funding earning assets | 1.6502% | 2,853 |
| Net interest margin | 5.1952% | 222 |
| Noninterest income to average assets | 0.1200% | 4,037 |
| Noninterest expense to average assets | 7.0680% | 145 |
| Loan and lease loss provision to assets | 0.6500% | 142 |
| Net operating income to assets | -2.5991% | 4,414 |
| Return on assets (ROA) | -2.5991% | 4,450 |
| Pretax return on assets | -2.5991% | 4,446 |
| Return on Equity (ROE) | -9.8500% | 4,386 |
| Retained earnings to average equity (ytd only) | -9.8460% | 4,242 |
| Net charge-offs to loans | 0.0071% | 1,981 |
| Credit loss provision to net charge-offs | 11,900.0000% | 39 |
| Earnings coverage of net charge-offs (x) | -355.0000% | 4,489 |
| Efficiency ratio | 138.0086% | 92 |
| Assets per employee ($millions) | 3.2393% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 884 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 77.1300% | 941 |
| Net loans and leases to deposits | 104.7898% | 263 |
| Net loans and leases to core deposits | 154.9615% | 133 |
| Total domestic deposits to total assets | 73.6100% | 4,089 |
| Equity capital to assets | 24.5077% | 204 |
| Core capital (leverage) ratio | 25.9829% | 152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $72,948,500 | 4,016 |
| Average earning assets | $70,295,000 | 3,969 |
| Average equity | $19,256,500 | 3,055 |
| Average total loans | $56,368,500 | 3,739 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8291% | 484 |
| Cost of funding earning assets | 1.1711% | 3,849 |
| Net interest margin | 5.6580% | 151 |
| Noninterest income to average assets | 0.0900% | 4,243 |
| Noninterest expense to average assets | 7.7394% | 139 |
| Loan and lease loss provision to assets | 0.8600% | 93 |
| Net operating income to assets | -3.0803% | 4,441 |
| Return on assets (ROA) | -3.0803% | 4,479 |
| Pretax return on assets | -3.0803% | 4,478 |
| Return on Equity (ROE) | -8.4900% | 4,403 |
| Retained earnings to average equity (ytd only) | -8.4857% | 4,378 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 140.2551% | 96 |
| Assets per employee ($millions) | 2.8398% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 786 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 74.8100% | 1,301 |
| Net loans and leases to deposits | 106.9562% | 232 |
| Net loans and leases to core deposits | 150.0824% | 169 |
| Total domestic deposits to total assets | 69.9400% | 4,207 |
| Equity capital to assets | 28.5530% | 166 |
| Core capital (leverage) ratio | 29.9339% | 120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $55,417,400 | 4,182 |
| Average earning assets | $53,198,600 | 4,148 |
| Average equity | $20,116,200 | 2,965 |
| Average total loans | $32,614,600 | 4,056 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7915% | 493 |
| Cost of funding earning assets | 1.0117% | 4,037 |
| Net interest margin | 5.7799% | 140 |
| Noninterest income to average assets | 0.0800% | 4,299 |
| Noninterest expense to average assets | 8.4159% | 128 |
| Loan and lease loss provision to assets | 0.7700% | 94 |
| Net operating income to assets | -3.5558% | 4,487 |
| Return on assets (ROA) | -3.5558% | 4,520 |
| Pretax return on assets | -3.5558% | 4,519 |
| Return on Equity (ROE) | -9.1600% | 4,443 |
| Retained earnings to average equity (ytd only) | -9.1581% | 4,422 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 149.5917% | 78 |
| Assets per employee ($millions) | 2.7515% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6924% | 670 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 60.3000% | 2,903 |
| Net loans and leases to deposits | 90.3480% | 1,217 |
| Net loans and leases to core deposits | 141.1458% | 245 |
| Total domestic deposits to total assets | 66.7500% | 4,299 |
| Equity capital to assets | 31.1448% | 150 |
| Core capital (leverage) ratio | 34.4605% | 101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $52,233,250 | 4,236 |
| Average earning assets | $50,080,750 | 4,197 |
| Average equity | $20,280,250 | 2,950 |
| Average total loans | $27,813,500 | 4,150 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7291% | 486 |
| Cost of funding earning assets | 0.8691% | 4,134 |
| Net interest margin | 5.8600% | 132 |
| Noninterest income to average assets | 0.0800% | 4,310 |
| Noninterest expense to average assets | 8.6422% | 125 |
| Loan and lease loss provision to assets | 0.8300% | 89 |
| Net operating income to assets | -3.7838% | 4,504 |
| Return on assets (ROA) | -3.7838% | 4,541 |
| Pretax return on assets | -3.7838% | 4,539 |
| Return on Equity (ROE) | -8.9700% | 4,455 |
| Retained earnings to average equity (ytd only) | -8.9675% | 4,420 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 151.8813% | 80 |
| Assets per employee ($millions) | 2.4712% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7558% | 596 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 60.2700% | 2,927 |
| Net loans and leases to deposits | 102.2123% | 443 |
| Net loans and leases to core deposits | 140.9808% | 252 |
| Total domestic deposits to total assets | 58.9700% | 4,376 |
| Equity capital to assets | 38.7120% | 142 |
| Core capital (leverage) ratio | 39.5983% | 95 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $48,575,333 | 4,283 |
| Average earning assets | $46,485,000 | 4,250 |
| Average equity | $20,496,333 | 2,898 |
| Average total loans | $24,144,667 | 4,207 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2997% | 747 |
| Cost of funding earning assets | 0.7464% | 4,215 |
| Net interest margin | 5.5533% | 178 |
| Noninterest income to average assets | 0.0800% | 4,292 |
| Noninterest expense to average assets | 8.0486% | 131 |
| Loan and lease loss provision to assets | 0.6400% | 125 |
| Net operating income to assets | -3.2825% | 4,566 |
| Return on assets (ROA) | -3.2825% | 4,563 |
| Pretax return on assets | -3.2825% | 4,560 |
| Return on Equity (ROE) | -7.4400% | 4,453 |
| Retained earnings to average equity (ytd only) | -7.4398% | 4,220 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 148.8959% | 62 |
| Assets per employee ($millions) | 2.3467% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7959% | 555 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 47.9400% | 3,707 |
| Net loans and leases to deposits | 83.4145% | 1,756 |
| Net loans and leases to core deposits | 109.7519% | 945 |
| Total domestic deposits to total assets | 57.4700% | 4,439 |
| Equity capital to assets | 41.7646% | 138 |
| Core capital (leverage) ratio | 45.1097% | 89 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $46,915,000 | 4,324 |
| Average earning assets | $45,018,000 | 4,289 |
| Average equity | $20,699,500 | 2,899 |
| Average total loans | $20,298,500 | 4,288 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9914% | 1,841 |
| Cost of funding earning assets | 0.2205% | 4,425 |
| Net interest margin | 4.7709% | 426 |
| Noninterest income to average assets | 3.7200% | 165 |
| Noninterest expense to average assets | 24.0587% | 66 |
| Loan and lease loss provision to assets | 1.0700% | 55 |
| Net operating income to assets | -16.8790% | 4,635 |
| Return on assets (ROA) | -16.8790% | 4,634 |
| Pretax return on assets | -16.8790% | 4,635 |
| Return on Equity (ROE) | -23.4600% | 4,579 |
| Retained earnings to average equity (ytd only) | -23.4632% | 4,561 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 291.4641% | 15 |
| Assets per employee ($millions) | 1.5830% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8201% | 548 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 37.1700% | 4,149 |
| Net loans and leases to deposits | 98.5011% | 582 |
| Net loans and leases to core deposits | 98.5011% | 1,417 |
| Total domestic deposits to total assets | 37.7400% | 4,518 |
| Equity capital to assets | 60.0683% | 125 |
| Core capital (leverage) ratio | 64.7417% | 74 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $29,898,333 | 4,487 |
| Average earning assets | $28,421,667 | 4,451 |
| Average equity | $21,508,333 | 2,721 |
| Average total loans | $7,766,333 | 4,460 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4747% | 2,712 |
| Cost of funding earning assets | 0.0615% | 4,542 |
| Net interest margin | 4.4132% | 694 |
| Noninterest income to average assets | 6.0400% | 108 |
| Noninterest expense to average assets | 31.3917% | 56 |
| Loan and lease loss provision to assets | 1.2800% | 46 |
| Net operating income to assets | -22.4539% | 4,665 |
| Return on assets (ROA) | -22.4539% | 4,664 |
| Pretax return on assets | -22.4539% | 4,664 |
| Return on Equity (ROE) | -28.2500% | 4,619 |
| Retained earnings to average equity (ytd only) | -28.2536% | 4,597 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 307.1327% | 12 |
| Assets per employee ($millions) | 1.7596% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0370% | 391 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 26.7200% | 4,383 |
| Net loans and leases to deposits | 88.9356% | 1,267 |
| Net loans and leases to core deposits | 88.9356% | 1,868 |
| Total domestic deposits to total assets | 30.0500% | 4,550 |
| Equity capital to assets | 67.6349% | 116 |
| Core capital (leverage) ratio | 79.5440% | 58 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $27,434,000 | 4,533 |
| Average earning assets | $26,013,000 | 4,494 |
| Average equity | $21,802,500 | 2,713 |
| Average total loans | $5,056,500 | 4,517 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8372% | 3,787 |
| Cost of funding earning assets | 0.0365% | 4,595 |
| Net interest margin | 3.8006% | 1,686 |
| Noninterest income to average assets | 14.2300% | 82 |
| Noninterest expense to average assets | 57.4779% | 37 |
| Loan and lease loss provision to assets | 0.3300% | 250 |
| Net operating income to assets | -39.9914% | 4,692 |
| Return on assets (ROA) | -39.9914% | 4,692 |
| Pretax return on assets | -39.9914% | 4,692 |
| Return on Equity (ROE) | -41.8200% | 4,648 |
| Retained earnings to average equity (ytd only) | -41.8158% | 4,660 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 322.6525% | 8 |
| Assets per employee ($millions) | 1.3644% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 2,080 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 6.2700% | 4,587 |
| Net loans and leases to deposits | 328.2167% | 4 |
| Net loans and leases to core deposits | 328.2167% | 16 |
| Total domestic deposits to total assets | 1.9100% | 4,627 |
| Equity capital to assets | 95.6370% | 17 |
| Core capital (leverage) ratio | 112.9423% | 2 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $23,195,000 | 4,622 |
| Average earning assets | $21,891,000 | 4,590 |
| Average equity | $22,183,000 | 2,703 |
| Average total loans | $1,473,000 | 4,601 |