Washington, MO · Cert 12627 · Diamond Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
48
Asset Quality
10
Profitability
38
Liquidity
0
Efficiency
34
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Washington, MO · Cert 12627 · Diamond Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.6% share · #30 of 111 inst. · $0.9B of $141.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.51% | 1.19% | 1.08% | 0.35% | 0.64% | 0.87% | 0.17% | 0.68% | +33 bps | |
| Return on Equity | 12.52% | 9.97% | 9.21% | 2.98% | 5.39% | 7.31% | 1.41% | 5.59% | +261 bps | |
| Net Interest Margin | 4.69% | 4.57% | 4.35% | 4.52% | 4.61% | 4.64% | 4.39% | 4.42% | -10 bps | |
| Efficiency Ratio | 51.16% | 51.40% | 59.40% | 65.96% | 65.75% | 63.93% | 64.46% | 64.46% | -150 bps | |
| Non-Interest Burden | 2.22% | 2.19% | 2.48% | 2.78% | 2.77% | 2.69% | 2.62% | 2.63% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.03% | 6.09% | 10.39% | 3.98% | 1.32% | 0.11% | -0.31% | 1.48% | -251 bps | |
| Loan Growth (YoY) | 3.19% | 6.49% | 10.83% | 3.81% | 2.54% | 0.75% | 0.21% | 2.07% | -174 bps | |
| Deposit Growth (YoY) | 5.57% | 7.12% | 2.31% | 5.41% | 8.09% | -0.45% | -0.05% | -1.55% | -697 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.95% | 2.41% | 2.33% | 2.60% | 2.43% | 1.76% | 3.72% | 3.50% | +90 bps | |
| Net Charge-Offs / Loans | 0.29% | 1.01% | -0.02% | -0.01% | 0.00% | 0.54% | -0.01% | 0.39% | +40 bps | |
| Allowance / Loans | 1.76% | 1.41% | 1.53% | 2.12% | 2.25% | 1.76% | 2.13% | 2.09% | -3 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.6x | 0.7x | 0.8x | 0.9x | 1.0x | 0.6x | 0.6x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.60% | 12.21% | 12.10% | 12.08% | 12.39% | 12.52% | 12.19% | 12.47% | +39 bps | |
| Total Risk-Based Capital | 12.60% | 12.21% | 12.10% | 12.08% | 12.39% | 12.52% | 12.19% | 12.47% | +39 bps | |
| Equity / Assets | 12.34% | 11.67% | 11.76% | 11.96% | 12.19% | 12.10% | 11.92% | 12.41% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 116.89% | 114.37% | 117.08% | 111.96% | 110.90% | 115.75% | 117.39% | 116.09% | +412 bps | |
| Liquid Assets / Assets | 4.26% | 4.77% | 4.67% | 4.88% | 4.78% | 5.26% | 5.12% | 5.12% | +24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 400% | 404% | 408% | n/a | n/a | |
Washington, MO · Cert 12627 · Peer group: banks $1B-$10B in assets (n=322-328) · Diamond Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
0.69%
Rank 284 of 328
Net Interest Margin
4.42%
Rank 30 of 328
Efficiency Ratio
64.46%
Rank 216 of 328
Equity / Assets
12.41%
Rank 64 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.69% | 0.91% | 1.22% | 1.52% | Beats 13% | 284 / 328 | n/a | |
| Return on Equity | 5.55% | 8.43% | 11.45% | 14.43% | Beats 9% | 299 / 328 | n/a | |
| Net Interest Margin | 4.42% | 3.03% | 3.45% | 3.83% | Beats 91% | 30 / 328 | n/a | |
| Efficiency Ratio | 64.46% | 51.61% | 59.56% | 67.53% | Beats 34% | 216 / 328 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.50% | 0.24% | 0.51% | 1.03% | Beats 4% | 310 / 322 | n/a | |
| Net Charge-Offs / Loans | 0.20% | 0.01% | 0.03% | 0.10% | Beats 16% | 273 / 322 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.47% | 11.75% | 13.15% | 15.47% | Beats 39% | 199 / 328 | n/a | |
| Total Risk-Based Capital Ratio | 12.47% | 12.63% | 14.15% | 16.46% | Beats 24% | 250 / 328 | n/a | |
| Equity / Assets | 12.41% | 9.15% | 10.33% | 12.01% | Beats 80% | 64 / 328 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 116.09% | 76.63% | 87.92% | 95.36% | 97th pctl | 10 / 323 | n/a | |
| Loans / Assets | 89.77% | 65.18% | 74.15% | 79.98% | 97th pctl | 9 / 328 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||