At a glance
From its website, read 2 Nov 2026Delta Bank is a bank or thrift based in Vidalia, Louisiana. Its website describes farm loans, auto loans, home mortgages and 2 other loan types. Where it lends: Louisiana and Natchez, Mississippi.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (888) 757-8601 source |
|---|---|
| Website | www.deltabk.com |
| Office (official list) | Post Office Box 930, Vidalia, LA 71373 |
What their website says about applying
Apply for a Home Equity Line of Credit* today at any Delta Bank location.
sourceplease call 888-757-8601 to talk to one of our lenders
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Home mortgages | Rate stated, not as an APR: see their wording | 15 year fixed rate loan 7.700% | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 21 Apr 2014 |
| RSSD ID | 975256 |
| Address | Post Office Box 930, Vidalia, LA 71373 Directions to the main office (Google Maps) |
| Website | www.deltabk.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Page 4 says 'No minimum amount' for mortgages, which conflicts with the $75,000 minimum on page 5; loan detail pages for personal and auto loans were thin. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Delta Bank lenders understand farmers, and how to assist them with their financial needs. | source |
| Auto / vehicle loans | — | Auto Loan | source |
| Home mortgages | from $75,000 | These products are eligible for first liens secured by an owner-occupied dwelling and require a minimum loan amount of $75,000. | source |
| Personal / consumer loans | — | Personal/Medical Expense | source |
| Small-business loans | — | Delta Bank’s experienced lenders will help you explore every possibility to find the perfect loan for your business needs. | source |
Loan sizes
These products are eligible for first liens secured by an owner-occupied dwelling and require a minimum loan amount of $75,000.
source
Service area
Louisiana and Natchez, Mississippi
Bank Loans in Louisiana & Natchez MS | Delta Bank
source
Counties this matches: Adams County, MS
Borrower focus
- Farmers / ranchers
Delta Bank lenders understand farmers, and how to assist them with their financial needs.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://deltabk.com/
- https://deltabk.com/personal/loans
- https://deltabk.com/business/business-loans
- https://deltabk.com/personal/loans/personal-loans
- https://deltabk.com/personal/loans/mortgage-loans
- https://deltabk.com/personal/loans/mortgage-plus-loan
- https://deltabk.com/personal/loans/home-equity-lines-of-credit
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$9.1 million in 11 awards from the U.S. Treasury's CDFI Fund, 2015–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $233,389 |
| 2016 | Bank Enterprise Award Program | $227,282 |
| 2015 | Bank Enterprise Award Program | $265,496 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Delta Bank (FDIC cert 26564). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $632 million (as of 30 Jun 2026) |
|---|---|
| Offices | 7 in 2 states (as of 30 Oct 2026) |
Offices by state and county (7)
Louisiana (5 offices)
- Concordia Parish (2): 1617 Carter St, Vidalia 71373 (main office); 302 Louisiana Ave, Ferriday 71334
- East Carroll Parish (1): 406 Lake St, Lake Providence 71254
- Madison Parish (1): 401 S Cedar St, Tallulah 71282
- Morehouse Parish (1): 6001 Mer Rouge Road, Bastrop 71220
Mississippi (2 offices)
- Adams County (1): 173 Highway 61 S, Natchez 39120
- Warren County (1): 2150 S Frontage Rd, Vicksburg 39180
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Delta Bank (RSSD 975256, FDIC cert 26564). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $474.7 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 1.6% from $467.2 million on 30 Jun 2025 |
| Total assets | $632 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $128.3 million | 27.0% |
| Home equity lines of credit | $13.5 million | 2.9% |
| Commercial real estate, construction and multifamily | $108.6 million | 22.9% |
| Commercial and industrial (business) loans | $38.2 million | 8.0% |
| Farmland and farm production loans | $164.7 million | 34.7% |
| Consumer loans (credit cards, auto, other) | $7.8 million | 1.6% |
| All other loans and leases | $13.6 million | 2.9% |
Within consumer loans: auto loans $1.8 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 81 loans $3.2 million | 376 loans $8 million |
| $100,001 to $250,000 | 65 loans $8.4 million | 98 loans $11.2 million |
| $250,001 to $1 million | 76 loans $29.4 million | 35 loans $10.2 million |
| All small business loans | 222 loans $41 million | 509 loans $29.4 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 57 loans $1.9 million | 115 loans $3.3 million |
| $100,001 to $250,000 | 50 loans $6.5 million | 68 loans $7.6 million |
| $250,001 to $500,000 | 35 loans $10.3 million | 51 loans $11.4 million |
| All small farm loans | 142 loans $18.7 million | 234 loans $22.3 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Delta Bank reported 197 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $35.6M (median loan about $95,000). 59 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 59 | 30% |
| Refinance (incl. cash-out) | 115 | 58% |
| Home improvement | 17 | 8.6% |
| Other purpose | 6 | 3.0% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 197 | 100% |
Included above: 25 loans on manufactured homes; 3 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 3 counties with at least one; 3.6% of its 2025 loans were for properties in Louisiana:
Filed under LEI 254900MFSRXY5UZ4OS50 as “Delta Bank”; matched by name, state and city (checked by hand; see the method on our About page).
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $632 million | Larger than 76% of the 72 other certified banks and bank holding companies in Louisiana (median $318.5 million). |
| Loans as a share of assets | 75% | Median of the same 72 banks and bank holding companies: 73%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $467.2 million → $474.7 million (+2%) | Median change of 72 other certified banks and bank holding companies in Louisiana: +4%. Rank by loans held among these 73: 13 → 15. |
| Home loans originated in 2025 (HMDA) | 197 | More than 67% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Louisiana | 72 | larger than 76% |
| Loans held then vs now | certified banks and bank holding companies in Louisiana reporting both dates | 72 | rank 13 → 15 of 73 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 67% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Vidalia and Louisiana
- Central Louisiana Capital CorporationBank holding company · Vidalia, LAOfficial list only
- Concordia Bank and Trust Co.Bank or thrift · Vidalia, LAAuto / vehicle loans, Commercial real estate loans, Home mortgages, Personal / consumer loans…Verified
- Concordia Capital CorporationBank holding company · Vidalia, LAOfficial list only
- 705 Federal Credit UnionCredit union · Lafayette, LAAuto / vehicle loans, Credit-builder loans, Microloans, Home mortgages…Verified
- American Bank & Trust CompanyBank or thrift · Opelousas, LAAgriculture / farm loans, Commercial real estate loans, Home mortgages, Personal / consumer loans…Verified
- Ascension Credit UnionCredit union · Gonzales, LAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
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