Diamond Bank
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Data as of · sourced from FFIEC call reports. How we update
Diamond Bank is an FDIC-insured commercial bank headquartered in Murfreesboro, AR, established in 1904 (FDIC certificate 1527), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $957.2M, up 7.6% from Q2 2025, the 25th largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 14.34% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1527
- Headquarters
- Murfreesboro, AR
- Established
- 1904
- Total assets, Q2 2026
- $957.2M
- Assets vs Q2 2025
- +7.6%
- CET1 ratio, Q2 2026
- 14.34%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 082904056
- Holding company
- BAINUM BANCORP
- Asset rank in state
- 25th of 78 in Arkansas
Diamond Bank is one of the more profitable banks of its size. It reported $957 million in assets at June 30, 2026, up 7.6% from a year earlier. It returns 19.4% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it pays an average of 2.45% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $4.0 million, 30% above the same quarter a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.58% of loans from 0.44% a year earlier.
As of June 30, 2026, Diamond Bank reported a CET1 capital ratio of 14.34%, a return on assets of 1.65%, a nonperforming-loan ratio of 0.58% and a Texas ratio of 5.60%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, Diamond Bank is the 25th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.1% to $957.2M, loans rose 1.7% and deposits rose 0.7%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 33.6% of total loans, followed by 1-4 family residential loans at 23.1%. Its 14 offices in the FDIC Summary of Deposits are in 13 cities across 2 states; its Nashville office books 18% of its branch deposits. Judged on its Q2 2026 call report, Diamond Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 319 E Main, Murfreesboro, AR 71958
- County
- Pike
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 16, 1904
- Former names
- Diamond State Bank (1996-2007)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 152
- Domestic deposits
- $838.4M
- Allowance for credit losses
- $8.1M
- Net charge-offs (YTD)
- $52K
- Average total assets
- $969.0M
- Average total loans
- $742.2M
- Average interest-bearing deposits
- $681.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1527
- Fed RSSD
- 27847
- Website
- www.diamond.bank →
- Parent Holding Company
- BAINUM BANCORP (RSSD 1491333)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Diamond Bank's total assets ranged from $789.6M (Q3 2023) to $957.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$957.2M total assets against $889.2M; $873.6M total liabilities against $818.8M.
$742.7M net loans and leases against $691.4M; $838.4M total deposits against $783.7M.
$150.9M securities against $133.6M; $16.7M cash and balances due against $20.7M.
$13.9M total interest income against $12.5M; $5.3M total interest expense against $5.3M.
$8.6M net interest income against $7.2M.
$1.3M total noninterest income against $1.2M; $5.6M total noninterest expense against $5.1M.
$262K provision for credit losses against $139K.
$4.0M net income against $3.1M.
1.65% return on assets against 1.37%; 3.81% net interest margin against 3.46%.
14.34% CET1 capital ratio against 13.82%; 9.99% tier 1 leverage ratio against 9.97%.
Inside the full Diamond Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeDiamond Bank rankings
Its closest position to the top of a national ranking is 1,071 of 4,196, for total assets; its furthest is 1,039 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.86% (Q3 2024) to 1.65% (Q2 2026) and its net interest margin ran from 2.97% (Q3 2024) to 3.81% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.34% | 1.65% | 0.58% | 5.60% | 3.81% |
| Q1 2026 | 14.57% | 1.14% | 0.58% | 5.85% | 3.68% |
| Q4 2025 | 14.44% | 1.51% | 0.33% | 3.76% | 3.66% |
| Q3 2025 | 14.13% | 1.40% | 0.51% | 4.43% | 3.55% |
| Q2 2025 | 13.82% | 1.37% | 0.44% | 4.04% | 3.46% |
| Q1 2025 | 13.86% | 1.08% | 0.43% | 4.01% | 3.11% |
| Q4 2024 | 13.97% | 1.00% | 0.30% | 2.86% | 3.04% |
| Q3 2024 | 14.12% | 0.86% | 0.23% | 2.01% | 2.97% |
Swipe the table sideways to see every column.
Branch Network
View all 14 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Nashville Branch | Nashville , AR | 71852 | $149.1M |
| Highways 70 and 70 B Branch | Glenwood , AR | 71943 | $136.0M |
| Lakeside Branch Diamond Bank Branch | Hot Springs , AR | 71901 | $68.7M |
| Hope Branch | Hope , AR | 71801 | $65.7M |
| Arkansas Diamond Branch | Hot Springs , AR | 71913 | $65.0M |
| Diamond Bank (main office) | Murfreesboro , AR | 71958 | $62.8M |
| Russellville Branch | Russellville , AR | 72802 | $55.6M |
| Ashdown Branch | Ashdown , AR | 71822 | $42.8M |
| Mount Ida Branch | Mount Ida , AR | 71957 | $40.3M |
| Dequeen Branch | De Queen , AR | 71832 | $40.0M |
| Texarkana - Richmond Road Branch | Texarkana , TX | 75503 | $37.9M |
| Mena Branch | Mena , AR | 71953 | $29.9M |
| Mineral Springs Branch | Mineral Springs , AR | 71851 | $23.1M |
| Dierks Branch | Dierks , AR | 71833 | $21.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 10, 2007 | Structure Change | Acquired Arkansas Diamond Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 9, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 27, 1991 | Structure Change | Acquired First Savings of Arkansas, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in AR, rank 29 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 270 applications, 216 loans originated, $45.5M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.8M approved, $2.8M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Diamond Bank
What are Diamond Bank's total assets?
As of the Q2 2026 filing, Diamond Bank reported total assets of $957.2 million in its FFIEC call report.
Where is Diamond Bank headquartered?
It is headquartered in Murfreesboro, AR, United States.
When was Diamond Bank founded?
It was established in 1904, per the FDIC institution directory.
Is Diamond Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1527). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Diamond Bank?
Diamond Bank's primary federal regulator is the Federal Reserve.
What is Diamond Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.34% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Diamond Bank operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Diamond Bank's Texas Ratio?
Its Texas Ratio is 5.60% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Diamond Bank previously called?
The charter now named Diamond Bank has also operated as Diamond State Bank (1996-2007), per FDIC structure-change records.
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