Adelphi Bank
Columbus, Ohio, Franklin County
$124M in total assets, the 3,543rd largest of 4,309 US banks and 121st of 160 headquartered in Ohio.
- FDIC certificate
- 59292
- Established
- 2023
- Owned by
- No holding company
- Primary regulator
- FDIC
- Website
- https://www.adelphibank.com
At a glance
Compared with 95 banks headquartered in Ohio with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $124M | 12% | $269M | |
| Loans | $98M | 20% | $193M | |
| Deposits | $104M | 14% | $232M | |
| Return on assets | -0.22% | 2% | 0.91% | |
| Net interest margin | 4.69% | 88% | 3.66% | |
| Efficiency ratio | 89.9% | 92% | 71.5% | |
| Equity to assets | 15.15% | 88% | 10.39% | |
| Loans to deposits | 94% | 78% | 81% |
Growth
Adelphi Bank has filed financial reports for 14 quarters, too few for 5-year growth figures.
Where they operate
1 branch in 1 county.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Franklin County, OH | $104M | 0.1% | 24 of 34 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (0 to 1). 1 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 0 | |||
| 2023 | Opened Columbus | 1 | 0 | +1 | 1 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 40% | 22% | |
| Construction and land | 27% | 4% | |
| Business (C&I) | 24% | 9% | |
| Multifamily | 6% | 4% | |
| Consumer | 4% | 4% | |
| Farmland | 0% | 5% | |
| 1-4 family residential | 0% | 50% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 69% | 46% | |
| Time deposits | 26% | 36% | |
| Noninterest-bearing | 5% | 18% |
Brokered deposits are 23.9% of deposits (peers 3.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.00% | 0.38% |
| Net charge-offs, annualized | 0.00% | 0.01% |
| Reserves to loans | 1.40% | 1.01% |
| Leverage ratio | 15.82% | 10.82% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Ohio
Largest competitors in Franklin County, OH
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/adelphi