Diamond Bank: how it compares with its peers
Against 26 AR banks with half to twice its assets, Diamond Bank's strongest measure in Q2 2026 is return on assets (1.42% vs. a 1.34% peer median). Its weakest relative measure is assets per employee ($6.3M vs. $6.8M).
| Measure | Diamond Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.42% | 1.34% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.78% | 3.96% | Middle third Ahead of 35% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.69% | 57.49% | Middle third Ahead of 46% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $6.8M | Bottom third Ahead of 31% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.58% | 85.43% | Context |
What it means for lending operations
Its efficiency ratio of 57.69% is above the 57.49% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Central Bank Little Rock, AR · $955M
- Stone Bank Mountain View, AR · $951M
- First Service Bank Greenbrier, AR · $1.02B
- FNBC Bank Ash Flat, AR · $843M
- Generations Bank Rogers, AR · $1.09B
- First Western Bank Booneville, AR · $793M
Questions about Diamond Bank
How big is Diamond Bank?
Diamond Bank, established in 1904, is headquartered in Murfreesboro, AR. It reported $957M in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is Diamond Bank's return on assets?
1.42% annualized in Q2 2026, against a 1.34% median for 26 AR banks with half to twice its assets, ahead of 54% of them.
What is Diamond Bank's efficiency ratio?
57.69% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 57.49%, and lower is better.
Is Diamond Bank growing its loans?
Net loans grew 7.4% over the year to Q2 2026, while deposits grew 7.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AR banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arkansas bank ranked.