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
Unfavorable gap of $17.3M · efficiency ratio beats 70% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.82% | 1.19% | 1.48% | Beats 42% | 57 / 99 | | |
| Return on Equity | 12.62% | 7.92% | 11.87% | 14.08% | Beats 60% | 40 / 99 | | |
| Net Interest Margin | 3.46% | 3.44% | 3.80% | 4.18% | Beats 25% | 74 / 99 | | |
| Efficiency Ratio | 57.69% | 55.83% | 62.41% | 73.02% | Beats 70% | 31 / 99 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.19% | 0.46% | 1.04% | Beats 44% | 56 / 99 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.06% | Beats 59% | 42 / 99 | | |
| Capital |
| Tier 1 Capital Ratio | 14.34% | 10.28% | 11.95% | 14.75% | Beats 71% | 29 / 99 | | |
| Total Risk-Based Capital Ratio | 15.56% | 10.45% | 12.59% | 15.64% | Beats 74% | 26 / 99 | | |
| Equity / Assets | 8.73% | 8.89% | 10.14% | 11.36% | Beats 21% | 78 / 99 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.55% | 74.57% | 84.03% | 94.55% | 70th pctl | 30 / 99 | | |
| Loans / Assets | 78.43% | 62.55% | 71.25% | 78.99% | 73rd pctl | 27 / 99 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |