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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 0.29% | 1.08% | -0.49% | 1.24% | 1.58% | 0.17% | 1.19% | +168 bps | |
| Return on Equity | 11.73% | 2.41% | 9.21% | -4.17% | 10.25% | 13.00% | 1.41% | 9.78% | +1,395 bps | |
| Net Interest Margin | 4.78% | 4.65% | 4.35% | 4.59% | 4.66% | 5.00% | 4.39% | 4.43% | -17 bps | |
| Efficiency Ratio | 50.48% | 52.09% | 59.40% | 71.50% | 65.36% | 59.01% | 64.46% | 64.47% | -703 bps | |
| Non-Interest Burden | 2.14% | 2.30% | 2.48% | 3.01% | 2.69% | 2.61% | 2.62% | 2.63% | -38 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 | 0.84% | 3.23% | -0.02% | 0.01% | 0.00% | 2.19% | -0.01% | 0.80% | +80 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 | |