Diamond Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 1.57 percentage points in Q2 2026, from 47.35% to 48.92%. It was the largest change from Q1 2026 among the key lines here. Diamond Bank ranks 31st of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 89.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Diamond Bank sits 8.71 points higher, at 89.55% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $750.7M |
| Net loans and leases | $742.7M |
| Loans held for sale | $0 |
| Loans to total assets | 78.43% |
| Loan-to-deposit ratio | 89.55% |
| Net loans to equity capital | 8.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.55% |
| Multifamily (5+ residential) | 4.60% |
| Commercial and industrial | 7.52% |
| Consumer | 1.87% |
| Credit cards | 0.00% |
| Farm | 33.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.72% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 107.00% |
| Construction concentration (Tier 1 capital + allowance) | 48.92% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $12.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $606.8M | $725.2M | 16.33% | 6.33% | 2.54% |
| Q4 2023 | $618.9M | $736.7M | 16.77% | 6.11% | 2.38% |
| Q1 2024 | $628.6M | $741.2M | 16.89% | 5.98% | 2.25% |
| Q2 2024 | $631.7M | $730.2M | 16.71% | 6.06% | 2.26% |
| Q3 2024 | $645.0M | $741.1M | 18.48% | 6.35% | 2.25% |
| Q4 2024 | $660.6M | $746.9M | 18.23% | 6.38% | 2.18% |
| Q1 2025 | $677.3M | $773.8M | 18.26% | 6.49% | 2.02% |
| Q2 2025 | $698.8M | $783.7M | 18.11% | 6.38% | 2.03% |
| Q3 2025 | $717.9M | $806.4M | 20.48% | 6.68% | 1.91% |
| Q4 2025 | $736.0M | $818.4M | 20.52% | 6.91% | 1.82% |
| Q1 2026 | $737.9M | $832.9M | 20.08% | 7.13% | 1.87% |
| Q2 2026 | $750.7M | $838.4M | 19.55% | 7.52% | 1.87% |
Diamond Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Diamond Bank, freeSource: Call Report Schedule RC-C, 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)