Diamond Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 6.92 percentage points in Q2 2026, from 64.19% to 57.27%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Diamond Bank is 21st of 78 on return on assets, 1.65% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Diamond Bank sits 0.39 points higher, at 1.65% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.34% |
| Tier 1 risk-based capital ratio | 14.34% |
| Total risk-based capital ratio | 15.56% |
| Tier 1 leverage ratio | 9.99% |
| Equity capital to assets | 8.73% |
| Tangible equity to tangible assets | 8.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.88% |
| Non-performing assets ratio | 1.56% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 16.29% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 57.27% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.65% |
| Return on equity | 19.42% |
| Net interest margin | 3.81% |
| Efficiency ratio | 55.89% |
| Yield on earning assets | 6.11% |
| Cost of funds | 2.45% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.55% |
| Core deposits to total deposits | 88.80% |
| Brokered deposits to total deposits | 0.84% |
| Deposits to assets | 87.59% |
| Securities to assets | 15.76% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.97% | 14.97% | 16.22% | 10.03% | 0.84% |
| Q4 2023 | 14.51% | 14.51% | 15.76% | 10.00% | 0.83% |
| Q1 2024 | 14.44% | 14.44% | 15.69% | 10.01% | 0.80% |
| Q2 2024 | 14.36% | 14.36% | 15.61% | 9.90% | 0.77% |
| Q3 2024 | 14.12% | 14.12% | 15.35% | 10.01% | 0.86% |
| Q4 2024 | 13.97% | 13.97% | 15.18% | 10.00% | 1.00% |
| Q1 2025 | 13.86% | 13.86% | 15.06% | 9.98% | 1.08% |
| Q2 2025 | 13.82% | 13.82% | 15.00% | 9.97% | 1.37% |
| Q3 2025 | 14.13% | 14.13% | 15.31% | 9.98% | 1.40% |
| Q4 2025 | 14.44% | 14.44% | 15.63% | 10.01% | 1.51% |
| Q1 2026 | 14.57% | 14.57% | 15.79% | 9.99% | 1.14% |
| Q2 2026 | 14.34% | 14.34% | 15.56% | 9.99% | 1.65% |
Diamond Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Diamond Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)