BlastPoint's Banking Scorecard
Diamond Bank
Community
Specialty: Agricultural
AR
FDIC cert 1527
Murfreesboro, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
Diamond Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$932.0M
+11.5% YoY
+1.8% QoQ
|
-$459.4M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$728.4M
+11.5% YoY
+2.5% QoQ
|
-$247.1M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$818.4M
+9.6% YoY
+1.5% QoQ
|
-$346.2M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
1.37%
+56.2% YoY
+4.7% QoQ
|
+0.21% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
3.51%
+18.2% YoY
+2.0% QoQ
|
-0.15% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
62.17%
-15.1% YoY
-1.7% QoQ
|
-0.46% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? |
0.33%
+7.1% YoY
-36.6% QoQ
|
-0.30% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
89.01%
+1.8% YoY
+1.0% QoQ
|
+5.94% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
18.73%
-1.6% YoY
+1.0% QoQ
|
-2.32% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.36%
+42.1% YoY
-11.8% QoQ
|
-0.14% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
14.44%
+3.4% YoY
+2.2% QoQ
|
+4.20% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.50%
-8.2% YoY
+32.0% QoQ
|
-0.24% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Quality Pressure
risk
#144 of 808 · Bottom 18% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.33%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
72
72th pctile
Tier 1 Capital Ratio
Current: 14.44% · Tier avg: 10.24%
67
67th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.16%
59
59th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.63%
52
52th pctile
Total Loans
Current: $728.4M · Tier avg: $975.5M
50
50th pctile
Efficiency Ratio
Current: 62.17% · Tier avg: 62.63%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
48
48th pctile
Total Deposits
Current: $818.4M · Tier avg: $1.2B
45
45th pctile
Total Assets
Current: $932.0M · Tier avg: $1.4B
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.73% · Tier avg: 21.05%
43
43th pctile
Net Interest Margin
Current: 3.51% · Tier avg: 3.66%
38
38th pctile
Loan-to-Deposit Ratio
Current: 89.01% · Tier avg: 83.06%
Top Weaknesses
38
38th pctile
Loan-to-Deposit Ratio
Current: 89.01% · Tier avg: 83.06%
43
43th pctile
Net Interest Margin
Current: 3.51% · Tier avg: 3.66%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.73% · Tier avg: 21.05%
45
45th pctile
Total Assets
Current: $932.0M · Tier avg: $1.4B
48
48th pctile
Total Deposits
Current: $818.4M · Tier avg: $1.2B
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
50
50th pctile
Efficiency Ratio
Current: 62.17% · Tier avg: 62.63%
52
52th pctile
Total Loans
Current: $728.4M · Tier avg: $975.5M
59
59th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.63%
67
67th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.16%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.44% · Tier avg: 10.24%