Diamond Bank
Murfreesboro, AR · Cert 1527 · Peer group: banks under $1B in assets operating regionally (n=94) · Bainum Bcorp
State charter, Fed member · FED · 14 branches
Q2 2026
$957.2MAssets
$750.7MLoans
$838.4MDeposits
$83.6MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 71% of banks under $1B in assets operating regionally (rank 28 of 94).
- Widest gap: equity / assets trails 81% of banks under $1B in assets operating regionally (rank 76 of 94).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.10%
Rank 53 of 94
Net Interest Margin
3.46%
Rank 70 of 94
Efficiency Ratio
57.69%
Rank 28 of 94
Equity / Assets
8.73%
Rank 76 of 94
Non-interest income vs. expense
Unfavorable gap of $17.3M · efficiency ratio beats 71% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.82% | 1.19% | 1.46% | Beats 44% | 53 / 94 | |
| Return on Equity | 12.62% | 7.85% | 11.84% | 14.03% | Beats 61% | 37 / 94 | |
| Net Interest Margin | 3.46% | 3.42% | 3.81% | 4.18% | Beats 26% | 70 / 94 | |
| Efficiency Ratio | 57.69% | 55.99% | 62.41% | 73.02% | Beats 71% | 28 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.19% | 0.47% | 1.14% | Beats 45% | 53 / 94 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.05% | Beats 59% | 40 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 14.34% | 10.28% | 11.95% | 15.07% | Beats 68% | 30 / 94 | |
| Total Risk-Based Capital Ratio | 15.56% | 10.31% | 12.59% | 15.88% | Beats 69% | 29 / 94 | |
| Equity / Assets | 8.73% | 8.98% | 10.21% | 11.41% | Beats 19% | 76 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 89.55% | 72.62% | 84.44% | 94.55% | 69th pctl | 29 / 94 | |
| Loans / Assets | 78.43% | 62.50% | 72.84% | 78.99% | 71st pctl | 27 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |