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Diamond Bank

Murfreesboro, AR · Cert 1527 · Bainum Bcorp

State charter, Fed member · FED · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

Basis

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.

Peer group

Banks under $1B in assets operating regionally (n=99). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

55

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

70

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Diamond Bank

Murfreesboro, AR · Cert 1527 · Bainum Bcorp

State charter, Fed member · FED · 14 branches

Q2 2026

$957.2MAssets
$750.7MLoans
$838.4MDeposits
$83.6MEquity
Loan mix
91%RE $652.0M7%C&I $52.6M2%Consumer $13.8MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $680.5M19%Noninterest $157.9MQ2 2025Q2 2026

NIM

4.96%Q2 ’245.39%Q2 ’255.65%Q2 ’26+16%+14%

Non-interest income vs. expense

2.35%Q2 ’242.29%Q2 ’252.29%Q2 ’26-4%+0%

Market Position · Hot Springs, AR · 2026 SOD (annual) · 4.3% share · #9 of 14 inst. · $0.1B of $3.1B

49.7% Pike
48.1% Howard
4.3% Garland
15.3% Hempstead

Executive Summary

  • Earnings: ROA of 1.12%, up 13 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.58% of loans (+14 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.99%, up 1 bps from a year ago.
  • Funding: loans stand at 89.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.12%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+42 bps YoY

Efficiency Ratio (YTD, annualized)

57.69%-670 bps YoY

Tier 1 Leverage Ratio

9.99%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.03%1.08%0.91%1.12%+13 bps
Return on Equity12.51%12.90%13.31%10.58%12.89%+38 bps
Net Interest Margin3.04%3.07%3.10%3.43%3.46%+42 bps
Efficiency Ratio64.38%63.27%62.17%58.58%57.69%-670 bps
Non-Interest Burden1.78%1.76%1.74%1.80%1.78%+1 bps
Growth
Asset Growth (YoY)8.43%9.52%11.45%9.52%7.64%-79 bps
Loan Growth (YoY)10.63%11.31%11.41%8.94%7.43%-321 bps
Deposit Growth (YoY)7.33%8.81%9.57%7.64%6.97%-35 bps
Asset Quality
Nonperforming Loans / Loans0.44%0.51%0.33%0.58%0.58%+14 bps
Net Charge-Offs / Loans0.03%0.04%0.04%0.02%0.01%-2 bps
Allowance / Loans1.07%1.05%1.03%1.06%1.08%+1 bps
Allowance Coverage of NPLs2.4x2.0x3.2x1.8x1.9x-0.6x
Capital
Tier 1 Leverage Ratio9.97%9.98%10.01%9.99%9.99%+1 bps
Total Risk-Based Capital15.00%15.31%15.63%15.79%15.56%+56 bps
Equity / Assets7.92%8.33%8.70%8.54%8.73%+81 bps
Liquidity & Funding
Loans / Deposits89.17%89.03%89.93%88.59%89.55%+38 bps
Liquid Assets / Assets0.88%0.95%0.28%1.46%0.06%-82 bps
CRE / Total Capitaln/a261%252%244%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Diamond Bank

Murfreesboro, AR · Cert 1527 · Peer group: banks under $1B in assets operating regionally (n=99) · Bainum Bcorp

State charter, Fed member · FED · 14 branches

Q2 2026

$957.2MAssets
$750.7MLoans
$838.4MDeposits
$83.6MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 74% of banks under $1B in assets operating regionally (rank 26 of 99).
  • Widest gap: equity / assets trails 79% of banks under $1B in assets operating regionally (rank 78 of 99).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.10%

Rank 57 of 99

Net Interest Margin

3.46%

Rank 74 of 99

Efficiency Ratio

57.69%

Rank 31 of 99

Equity / Assets

8.73%

Rank 78 of 99

Non-interest income vs. expense

$4.9M$22.2MINCOMEEXPENSE
Unfavorable gap of $17.3M · efficiency ratio beats 70% of banks under $1B in assets operating regionally
Bank 57.69%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.10%0.82%1.19%1.48%Beats 42%57 / 99
Return on Equity12.62%7.92%11.87%14.08%Beats 60%40 / 99
Net Interest Margin3.46%3.44%3.80%4.18%Beats 25%74 / 99
Efficiency Ratio57.69%55.83%62.41%73.02%Beats 70%31 / 99
Asset Quality
Nonperforming Loans / Loans0.58%0.19%0.46%1.04%Beats 44%56 / 99
Net Charge-Offs / Loans0.01%0.00%0.02%0.06%Beats 59%42 / 99
Capital
Tier 1 Capital Ratio14.34%10.28%11.95%14.75%Beats 71%29 / 99
Total Risk-Based Capital Ratio15.56%10.45%12.59%15.64%Beats 74%26 / 99
Equity / Assets8.73%8.89%10.14%11.36%Beats 21%78 / 99
Liquidity & Funding
Loans / Deposits89.55%74.57%84.03%94.55%70th pctl30 / 99
Loans / Assets78.43%62.55%71.25%78.99%73rd pctl27 / 99
Brokered Deposits / Depositsn/aNot reported for this institution