Antwerp, OH · Cert 14523 · Diamond Bancshares Inc.
State charter, non-member · FDIC · 3 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 under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
12
Asset Quality
43
Profitability
22
Liquidity
59
Efficiency
12
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.
Antwerp, OH · Cert 14523 · Diamond Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Fort Wayne, IN · 2026 SOD (annual) · 0.2% share · #24 of 26 inst. · $0.0B of $11.1B
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 | 0.45% | 0.45% | 0.54% | 0.45% | 0.57% | 0.51% | 0.41% | 0.36% | -9 bps | |
| Return on Equity | 6.33% | 6.31% | 7.45% | 6.08% | 7.55% | 6.61% | 5.20% | 4.48% | -159 bps | |
| Net Interest Margin | 3.09% | 3.07% | 3.50% | 3.41% | 3.40% | 3.36% | 3.47% | 3.64% | +23 bps | |
| Efficiency Ratio | 82.07% | 82.15% | 78.94% | 82.42% | 79.29% | 81.71% | 85.11% | 86.86% | +444 bps | |
| Non-Interest Burden | 2.46% | 2.45% | 2.69% | 2.75% | 2.62% | 2.68% | 2.88% | 3.10% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.19% | -0.48% | 2.25% | 2.36% | 1.71% | 4.18% | 3.74% | 4.62% | +225 bps | |
| Loan Growth (YoY) | 1.43% | 1.88% | 2.31% | 1.22% | -1.85% | -1.17% | -1.74% | -2.07% | -329 bps | |
| Deposit Growth (YoY) | -2.20% | -1.26% | 2.43% | 3.65% | 2.26% | 4.41% | 3.15% | 4.45% | +80 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.70% | 0.60% | 0.54% | 0.79% | 0.48% | 0.97% | 0.60% | 0.70% | -9 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.08% | 0.06% | 0.22% | 0.11% | 0.09% | -0.02% | 0.03% | -19 bps | |
| Allowance / Loans | 0.79% | 0.80% | 0.83% | 0.76% | 0.84% | 0.84% | 0.87% | 0.87% | +11 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.3x | 1.6x | 1.0x | 1.8x | 0.9x | 1.4x | 1.3x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.69% | 9.67% | 9.66% | 9.75% | 10.01% | 9.69% | 9.67% | 9.72% | -3 bps | |
| Total Risk-Based Capital | 14.81% | 14.80% | 14.90% | 14.92% | 15.72% | 15.27% | 14.77% | 9.72% | -520 bps | |
| Equity / Assets | 7.54% | 7.19% | 7.37% | 7.65% | 8.08% | 8.06% | 7.88% | 7.88% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.45% | 81.18% | 79.06% | 80.08% | 77.22% | 76.84% | 75.31% | 75.08% | -500 bps | |
| Liquid Assets / Assets | 0.19% | 1.17% | 0.18% | 0.18% | 0.96% | 0.95% | 0.94% | 0.19% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 130.94% | 127.58% | 100.64% | n/a | n/a | |
Antwerp, OH · Cert 14523 · Peer group: banks under $1B in assets operating regionally (n=94) · Diamond Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.35%
Rank 81 of 94
Net Interest Margin
3.64%
Rank 58 of 94
Efficiency Ratio
86.86%
Rank 84 of 94
Equity / Assets
7.88%
Rank 84 of 94
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.35% | 0.82% | 1.19% | 1.46% | Beats 14% | 81 / 94 | ||
| Return on Equity | 4.50% | 7.85% | 11.84% | 14.03% | Beats 14% | 81 / 94 | ||
| Net Interest Margin | 3.64% | 3.42% | 3.81% | 4.18% | Beats 38% | 58 / 94 | ||
| Efficiency Ratio | 86.86% | 55.99% | 62.41% | 73.02% | Beats 12% | 84 / 94 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.70% | 0.19% | 0.47% | 1.14% | Beats 39% | 58 / 94 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.05% | Beats 47% | 51 / 94 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.72% | 10.28% | 11.95% | 15.07% | Beats 13% | 82 / 94 | ||
| Total Risk-Based Capital Ratio | 9.72% | 10.31% | 12.59% | 15.88% | Beats 11% | 84 / 94 | ||
| Equity / Assets | 7.88% | 8.98% | 10.21% | 11.41% | Beats 11% | 84 / 94 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.08% | 72.62% | 84.44% | 94.55% | 30th pctl | 66 / 94 | ||
| Loans / Assets | 68.97% | 62.50% | 72.84% | 78.99% | 38th pctl | 58 / 94 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||