PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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