Adelphi Bank: how it compares with its peers
Against 53 OH banks with half to twice its assets, Adelphi Bank's strongest measure in Q2 2026 is net interest margin (4.69% vs. a 3.64% peer median). Its weakest relative measure is return on assets (0.13% vs. 0.81%).
| Measure | Adelphi Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.13% | 0.81% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.69% | 3.64% | Top third Ahead of 89% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 89.93% | 74.76% | Bottom third Ahead of 6% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $5.8M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.15% | 77.89% | Context |
What it means for lending operations
Its efficiency ratio of 89.93% is above the 74.76% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Hamler State Bank Hamler, OH · $125M
- Woodsfield Savings Bank Woodsfield, OH · $123M
- Community Savings Bank Bethel, OH · $120M
- The Baltic State Bank Baltic, OH · $130M
- Fidelity Federal Savings and Loan Association of Delaware Delaware, OH · $132M
- The National Bank of Adams County of West Union West Union, OH · $115M
Questions about Adelphi Bank
How big is Adelphi Bank?
Adelphi Bank, established in 2023, is headquartered in Columbus, OH. It reported $124M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Adelphi Bank's return on assets?
0.13% annualized in Q2 2026, against a 0.81% median for 53 OH banks with half to twice its assets, ahead of 4% of them.
What is Adelphi Bank's efficiency ratio?
89.93% in Q2 2026: it spent about 90 cents in noninterest expense for each dollar of revenue. The peer median is 74.76%, and lower is better.
Is Adelphi Bank growing its loans?
Net loans grew 44.6% over the year to Q2 2026, while deposits grew 54.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.