Diamond Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Yield on securities rose 0.27 percentage points from Q1 2026 to Q2 2026, ending at 3.06% against 2.79%. It was the largest change among the key lines on this page. Within Arkansas, Diamond Bank is 57th of 78 on net interest margin, 3.81% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Diamond Bank sits 0.14 points lower, at 3.81% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.11% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.45% |
| Cost of interest-bearing deposits | 2.97% |
| Cost of interest-bearing liabilities | 3.00% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.5M |
| Total interest expense | $5.3M |
| Interest expense on deposits | $5.0M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 5.02% | 2.14% | 3.00% |
| Q4 2023 | 5.18% | 2.38% | 2.94% |
| Q1 2024 | 5.29% | 2.55% | 2.87% |
| Q2 2024 | 5.45% | 2.72% | 2.88% |
| Q3 2024 | 5.65% | 2.85% | 2.97% |
| Q4 2024 | 5.72% | 2.86% | 3.04% |
| Q1 2025 | 5.57% | 2.68% | 3.11% |
| Q2 2025 | 5.95% | 2.66% | 3.46% |
| Q3 2025 | 6.05% | 2.69% | 3.55% |
| Q4 2025 | 6.09% | 2.62% | 3.66% |
| Q1 2026 | 6.01% | 2.47% | 3.68% |
| Q2 2026 | 6.11% | 2.45% | 3.81% |
Diamond Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Diamond Bank, freeSource: Call Report Schedules RI and RC-K, 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)