Bank · FDIC insured
Delta Bank
A $632M bank headquartered in Vidalia, LA, with 7 branches in 2 states.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Savings: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings—3.80%Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Delta Bank
Delta Bank originated on October 1, 1973, as Louisiana Central Bank and took its current form on January 1, 2002, from the merger of Louisiana Central Bank and Louisiana Delta Bank.
Headquartered in Vidalia, Louisiana, the bank is owned by bank holding company Central Louisiana Capital Corporation.
Delta Bank operates across seven locations along the Mississippi River from Lake Providence, Louisiana, to Natchez, Mississippi.
- Headquarters
- 1617 Carter St, Vidalia, LA 71373
- FDIC certificate
- 26564 ↗
Branches
7 branches in 2 states
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Louisiana
5 branches
Vidalia area · 1
- Delta BankMain office1617 Carter St, Vidalia, LA 71373Directions
Bastrop area · 1
- Delta - Bank Bastrop Branch6001 Mer Rouge Road, Bastrop, LA 71220Directions
Ferriday area · 1
- Louisiana Central Bank Branch302 Louisiana Ave, Ferriday, LA 71334Directions
Lake Providence area · 1
- Lake Providence Branch406 Lake St, Lake Providence, LA 71254Directions
Tallulah area · 1
- South Cedar Branch401 S Cedar St, Tallulah, LA 71282Directions
Mississippi
2 branches
Natchez area · 1
- Delta Bank Natchez173 Highway 61 S, Natchez, MS 39120Directions
Vicksburg area · 1
- Vicksburg Branch2150 S Frontage Rd, Vicksburg, MS 39180Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.04% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.04% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.93% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $85 | $81 | — |
- CapitalLeverage ratio10.04%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.04%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.93%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$85Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Delta Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.