News

DELHI BANK CORP. ANNOUNCES
1.35% INCREASE IN QUARTERLY CASH DIVIDEND

Dec. 14, 2011 – Delhi Bank Corp. (OTC Markets Group: DWNX.PK), The Delhi Bank Corp. Board of Directors declared a fourth quarter 2011 cash dividend of $0.15 per share at a meeting held on December 13, 2011. This quarterly cash dividend represents a 1.35% increase over the $0.148 per share declared for the quarter ending September 2011. The dividend will be paid on or about January 13, 2012 to shareholders of record as of the close of business on December 30, 2011.

Delhi Bank Corp. is a New York Chartered bank holding company headquartered in Delhi, New York. As of September 30, 2011, Delhi Bank Corp. had assets of $238.9 million and Stockholders’ equity of $22.3 million

The Delaware National Bank of Delhi:
Proven Today; Primed for Tomorrow

December 2011: The Delaware National Bank of Delhi, New York is once again proud to be recognized as a superior 5-Star rated bank by BauerFinancial, Inc., Coral Gables, Florida, the nation’s leading bank rating and research firm. To earn this rating The Delaware National Bank of Delhi must not only report impressive capital levels, but also an enviable loan portfolio with negligible levels of delinquent loans.

That’s a combination that has been hard to come by the past couple of years. Yet, The Delaware National Bank of Delhi has managed to do it. With that, BauerFinancial bestows its highest 5-Star Superior rating on The Delaware National Bank of Delhi denoting the highest level of strength and performance that a bank can receive. In fact, The Delaware National Bank of Delhi has earned this 5-Star Superior rating for the last 67 consecutive quarters putting it in an even more elite group of “Sustained Superiority Banks”. Only 10% of the nation’s banks can claim this distinction.

“Not only has The Delaware National Bank of Delhi proven its efficacy yesterday and today, it is also primed for whatever tomorrow may bring,” observes Karen L. Dorway, president of BauerFinancial. “The past three years have put a considerable amount of pressure on our nation’s banks and we are pleased to see community banks, like The Delaware National Bank of Delhi, still able to shine.”

The Delaware National Bank of Delhi was established in 1839 and has been effectively meeting the needs of its local communities for 172 years. It currently operates through four conveniently located offices in Delhi, Hobart, Margaretville and Davenport and can also be found online at www.dnbd.net.

The Delaware National Bank of Delhi: “Your Community Bank Since 1839.”

BauerFinancial, Coral Gables, Florida, the nation’s leading independent bank and credit union rating and research firm, has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. No institution pays BauerFinancial to rate it, nor can any choose to be excluded. Consumers may obtain star-ratings by visiting www.bauerfinancial.com.

DELHI BANK CORP. RANKED AMONG TOP 200 U.S. COMMUNITY BANKS

Delhi Bank Corp. has been ranked among the top 200 community banks in the United States by U.S. Banker magazine. The data was based on the performance of almost 8,000 banks and thrift institutions around the nation with total assets less than $2 billion. The study was conducted by SNL Financial LC, a prominent industry analyst, on behalf of U.S. Banker magazine.

The rankings were based on average 3 year returns on equity. Delhi Bank Corp. ranked 148 out of the overall 200 banks listed, with a 3 year average return on equity of 9.32%.

The Delaware National Bank of Delhi is the wholly owned subsidiary of Delhi Bank Corp. Incorporated in 1839, The Delaware National Bank of Delhi is the 30th oldest bank in the country, and the 3rd oldest bank in the State of New York.

“Given the recent turmoil in the financial industry and the uncertainty throughout our economy, this ranking is impressive. Underlying this achievement is the adherence to sound, conservative business practices overseen by an active Board of Directors and the ongoing efforts of a loyal and dedicated staff” stated Robert W. Armstrong, President and CEO of the bank.

"Move Your Money"

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We Now Offer Electronic Statements!

Go green and sign-up for E-Statements - Our new electronic statement delivery product gives you the ability to view your account statements from within Internet Banking. Eliminate the paper statements that are currently mailed to you by viewing your statement on-line in PDF format. New statements will be made available to you as soon as they are ready, and they will contain the same information as your paper statement. Your last 6 months of statements will always be available on-line, and you can print any statement or save a copy to disk, CD, or your computer’s hard-drive.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS:

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000.00 available to depositors under the FDIC’s general deposit insurance rules. The term “non-interest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other interest-bearing accounts, such as NOW and Money Market accounts.