DLP Bank is a state-chartered bank headquartered in Starke, Florida, in business for about 69 years. At the end of Q2 2026 it reported $301.4M in total assets and $241.5M in deposits, with 3 offices.
Based on its Q2 2026 filing, DLP Bank scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 23rd. Its strongest component is capital cushion (100/100; 15.32%), and its lowest is loan quality (52/100; 1.45%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (72 → 74), mostly because the loan quality component improved by 34 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 67 |
| Q4 2024 | 71 |
| Q1 2025 | 79 |
| Q2 2025 | 72 |
| Q3 2025 | 71 |
| Q4 2025 | 55 |
| Q1 2026 | 59 |
| Q2 2026 | 74 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.92% |
| Q3 2024 | 15.47% |
| Q4 2024 | 15.78% |
| Q1 2025 | 15.44% |
| Q2 2025 | 15.64% |
| Q3 2025 | 16.80% |
| Q4 2025 | 16.01% |
| Q1 2026 | 16.39% |
| Q2 2026 | 15.32% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.67% |
| Q3 2024 | 2.61% |
| Q4 2024 | 2.31% |
| Q1 2025 | 1.51% |
| Q2 2025 | 2.47% |
| Q3 2025 | 2.42% |
| Q4 2025 | 3.29% |
| Q1 2026 | 3.26% |
| Q2 2026 | 1.45% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.99% |
| Q3 2024 | 1.37% |
| Q4 2024 | 1.40% |
| Q1 2025 | 1.50% |
| Q2 2025 | 1.67% |
| Q3 2025 | 1.58% |
| Q4 2025 | 0.28% |
| Q1 2026 | 0.80% |
| Q2 2026 | 0.84% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $301.4M | 15.32% | 1.45% | 0.84% | 48.3% |
| Q1 2026 | 59 | $305.1M | 16.39% | 3.26% | 0.80% | 46.0% |
| Q4 2025 | 55 | $303.0M | 16.01% | 3.29% | 0.28% | 45.7% |
| Q3 2025 | 71 | $256.9M | 16.80% | 2.42% | 1.58% | 50.5% |
| Q2 2025 | 72 | $251.8M | 15.64% | 2.47% | 1.67% | 51.4% |
| Q1 2025 | 79 | $248.9M | 15.44% | 1.51% | 1.50% | 56.0% |
| Q4 2024 | 71 | $247.3M | 15.78% | 2.31% | 1.40% | 55.9% |
| Q3 2024 | 67 | $260.2M | 15.47% | 2.61% | 1.37% | 48.0% |
| Q2 2024 | 57 | $270.9M | 13.92% | 3.67% | 0.99% | 42.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Natbank, National AssociationBank Hollywood, FL | 77 out of 100, Strong | $296.5M | 29.8% | 0.00% | vs |
| First Colony Bank of FloridaBank Maitland, FL | 79 out of 100, Strong | $291.1M | 9.9% | 0.17% | vs |
| Evermore BankBank Fort Lauderdale, FL | 74 out of 100, Strong | $316.9M | 13.5% | 0.00% | vs |
| BankMiamiBank Coral Gables, FL | 62 out of 100, Moderate | $317.9M | 11.4% | 0.00% | vs |
| First National Bank of PascoBank Dade City, FL | 64 out of 100, Moderate | $280.0M | 10.2% | 0.36% | vs |
| Community Bank of the SouthBank Merritt Island, FL | 67 out of 100, Moderate | $266.5M | 9.5% | 0.00% | vs |
Deposit insurance
Is my money safe at DLP Bank?
Yes. DLP Bank is an FDIC-insured institution (FDIC certificate #17734). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.7% of deposits ($95.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.32%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
DLP Bank lists 3 offices in 3 cities. Most locations:
- Interlachen, FL (1)
- Lake Butler, FL (1)
- Starke, FL (1)
Identity & history
Profile
- Legal name
- DLP Bank
- Former names
- Community State Bank of Starke; Community State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 17734
- RSSD ID
- 853934
- Primary regulator
- FDIC
- Holding company
- Regent Capital Corp
- Established
- March 19, 1957
- Headquarters
- 811 S Walnut St, Starke, FL 32091
- Employees
- 38
Quick answers
DLP Bank: common questions
Is DLP Bank FDIC insured?
Yes. DLP Bank is an FDIC-insured institution (FDIC certificate #17734). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is DLP Bank's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has DLP Bank ever failed?
There is no failure record for FDIC certificate #17734 in the FDIC failed bank list.
How many branches does DLP Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Starke
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tru Fi Credit UnionCredit union Macclenny, FL | 84 out of 100, Strong | $146.4M | 12.6% | 0.60% | vs |
| Campus USA Credit UnionCredit union Gainesville, FL | 76 out of 100, Strong | $4.0B | 12.3% | 0.38% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |
| Florida Credit UnionCredit union Gainesville, FL | 75 out of 100, Strong | $2.8B | 12.7% | 0.80% | vs |
| Calhoun Liberty Credit UnionCredit union Blountstown, FL | 74 out of 100, Strong | $179.8M | 10.7% | 0.01% | vs |
| Community First Credit Union of FloCredit union Jacksonville, FL | 73 out of 100, Strong | $3.2B | 12.3% | 0.63% | vs |