Diamond Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 7.4% to -$13.2M. Within Arkansas, Diamond Bank is 18th of 37 on CET1 ratio, 14.34% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Diamond Bank sits 0.73 points lower, at 14.34% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.34% |
| Tier 1 risk-based capital ratio | 14.34% |
| Total risk-based capital ratio | 15.56% |
| Tier 1 leverage ratio | 9.99% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $96.8M |
| Tier 1 capital | $96.8M |
| Total risk-based capital | $105.0M |
| Total equity capital | $83.6M |
| Risk-weighted assets | $674.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.73% |
| Tangible equity to tangible assets | 8.73% |
| Equity capital to average assets | 8.63% |
| Internal capital growth rate | 7.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $430K |
| Common stock surplus | $8.0M |
| Retained earnings | $88.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$13.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.97% | 14.97% | 16.22% | 10.03% | $548.0M |
| Q4 2023 | 14.51% | 14.51% | 15.76% | 10.00% | $564.6M |
| Q1 2024 | 14.44% | 14.44% | 15.69% | 10.01% | $574.6M |
| Q2 2024 | 14.36% | 14.36% | 15.61% | 9.90% | $584.7M |
| Q3 2024 | 14.12% | 14.12% | 15.35% | 10.01% | $597.4M |
| Q4 2024 | 13.97% | 13.97% | 15.18% | 10.00% | $613.9M |
| Q1 2025 | 13.86% | 13.86% | 15.06% | 9.98% | $625.7M |
| Q2 2025 | 13.82% | 13.82% | 15.00% | 9.97% | $644.8M |
| Q3 2025 | 14.13% | 14.13% | 15.31% | 9.98% | $650.7M |
| Q4 2025 | 14.44% | 14.44% | 15.63% | 10.01% | $654.7M |
| Q1 2026 | 14.57% | 14.57% | 15.79% | 9.99% | $653.2M |
| Q2 2026 | 14.34% | 14.34% | 15.56% | 9.99% | $674.8M |
Diamond Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Diamond Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Diamond Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1527) · FFIEC NIC profile (RSSD 27847)