BlastPoint's Banking Scorecard

Diamond Bank

$100M-$1B Specialty: Agricultural AR FDIC cert 1527

Murfreesboro, AR

14 branches across AR · TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in AR.
Deposits +7.0% year over year ($838.4M on the books).
Delinquency rate 0.58%.
Return on assets 1.42%.
Efficiency ratio 57.69% vs a 64.48% peer average.
Loan-to-deposit ratio 88.58% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in AR

View $100M-$1B leaderboard (AR) →

Diamond Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.10% above tier average
+ Efficiency Ratio 6.79% below tier average
+ Delinquency Rate 0.34% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 33.4% in tier
- Credit Quality Pressure: Bottom 35.0% in tier
- Net Interest Margin 0.20% below tier average

Get updates when Diamond Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$957.2M +7.6% YoY +1.1% QoQ	+$570.6M	$386.6M +1.2% YoY	$2.4B +2.9% YoY	$6.3B +7.7% YoY	Top 1.3% in tier
Total Loans ?	$742.7M +7.4% YoY +1.7% QoQ	+$484.3M	$258.3M +1.7% YoY	$1.7B +5.8% YoY	$3.2B +9.4% YoY	Top 1.2% in tier
Total Deposits ?	$838.4M +7.0% YoY +0.7% QoQ	+$511.6M	$326.7M +0.7% YoY	$2.0B +2.5% YoY	$4.9B +7.3% YoY	Top 0.9% in tier
Return on Assets ?	1.42% +13.4% YoY +22.5% QoQ	+0.10%	1.32% +10.8% YoY	1.32% +8.9% YoY	1.30% +12.1% YoY	61%
Net Interest Margin ?	3.78% +12.7% YoY +2.1% QoQ	-0.20%	3.99% +5.0% YoY	4.10% +6.0% YoY	3.95% +4.9% YoY	41%
Efficiency Ratio ?	57.69% -10.4% YoY -1.5% QoQ	-6.79%	64.48% -3.2% YoY	61.09% -4.5% YoY	70.05% +2.5% YoY	64%
Delinquency Rate ?	0.58% +31.4% YoY -0.2% QoQ	-0.34%	0.92% +15.7% YoY	1.05% +22.1% YoY	0.98% +16.3% YoY	43%
Loan-to-Deposit Ratio ?	88.58% +0.4% YoY +1.1% QoQ	+10.63%	77.95% +1.0% YoY	82.37% +1.8% YoY	79.03% +2.3% YoY	29%
Non-Interest-Bearing Deposit Share ?	18.83% -2.4% YoY +1.0% QoQ	-3.20%	22.03% -0.6% YoY	19.62% +0.3% YoY	21.98% -0.6% YoY	40%
Nonperforming Asset Ratio ?	0.54% +51.3% YoY -2.2% QoQ	-0.13%	0.67% +16.4% YoY	0.84% +30.0% YoY	0.69% +15.8% YoY	38%
Tier 1 Capital Ratio ?	14.34% +3.8% YoY -1.6% QoQ	-1.57%	15.91% +1.4% YoY	13.64% +0.9% YoY	17.09% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.26% -0.1% YoY +102.3% QoQ	-0.31%	0.57% +7.6% YoY	0.36% -4.6% YoY	0.66% +5.2% YoY	65%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Noninterest-Bearing	18.8% -0.5pp YoY +0.2pp QoQ	-3.3pp	22.1%	19.6%	22.2%	39%
Brokered Deposits	0.8% -0.2pp YoY -0.1pp QoQ	-7.0pp	7.9%	7.2%	8.5%	16%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
C&I	7.6% +1.2pp YoY +0.4pp QoQ	-4.0pp	11.6%	12.7%	12.5%	37%
CRE	31.3% -2.9pp YoY -0.5pp QoQ	-8.2pp	39.5%	41.0%	41.4%	37%
1-4 Family	23.4% +0.2pp YoY -0.1pp QoQ	-9.3pp	32.6%	28.1%	31.3%	37%
Consumer	1.9% -0.2pp YoY 0.0pp QoQ	-2.2pp	4.1%	4.5%	5.0%	46%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
CET1 Ratio	14.3% +0.5pp YoY -0.2pp QoQ	-4.5pp	18.8%	15.1%	19.7%	42%
Leverage Ratio	10.0% 0.0pp YoY 0.0pp QoQ	-2.2pp	12.2%	11.9%	12.6%	31%
Total Capital Ratio	15.6% +0.6pp YoY -0.2pp QoQ	-4.4pp	19.9%	16.3%	20.8%	43%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Full-Time Employees	152 +1 (+0.7%) YoY 0 QoQ	+93	58	315	482	98%
Assets per Employee ($)	$6.3M +6.9% YoY +1.1% QoQ	-$1.2M	$7.5M	$6.7M	$8.8M	39%
Branch Count	14 0 YoY 0 QoQ	+9	4	25	18	97%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.4%	1%
Nonaccrual	0.6% +0.1pp YoY 0.0pp QoQ	-0.4pp	0.9%	1.1%	1.0%	56%
Allowance Coverage	1.87x -23.2% YoY +1.6% QoQ	-22.28x	24.15x	4.69x	20.23x	46%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	49%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
ROE	16.4% +0.5pp YoY +3.0pp QoQ	+4.2pp	12.2%	12.3%	11.6%	75%
Cost of Funds (YTD)	2.4% -0.2pp YoY 0.0pp QoQ	+0.7pp	1.7%	2.0%	1.7%	87%
Net Income ($, YTD)	$6.7M +24.2% YoY — QoQ	+$4.2M	$2.6M	$16.0M	$40.4M	95%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#314 of 936 • Bottom 33.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#440 of 1256 • Bottom 35.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.58%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Total Deposits

size

Value: $838.38M

Peer Median: $326.73M

#24 of 2643 Top 0.9% in $100M-$1B

Total Loans

size

Value: $742.65M

Peer Median: $258.35M

#32 of 2643 Top 1.2% in $100M-$1B

Total Assets

size

Value: $957.21M

Peer Median: $386.57M

#36 of 2643 Top 1.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available