TellerScore

Headquartered in Murfreesboro, Arkansas, Diamond Bank is a state-chartered bank (fed member) with $957.2M in total assets and $838.4M in deposits as of Q2 2026. It operates 14 offices across 2 states. Its charter dates back to 1904.

Diamond Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 39th. Problem-loan coverage contributes the most (89/100, 5.6%); capital cushion contributes the least (50/100, 9.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 9.99%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.58%
Earnings77/100
Return on assets (annualized): 1.42%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 88.6% · 20.4% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.60%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 69).

TellerScore
676971Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202469
Q4 202468
Q1 202569
Q2 202570
Q3 202570
Q4 202571
Q1 202667
Q2 202669
Tier 1 leverage ratio
5.00%7.51%10.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.90%
Q3 202410.01%
Q4 202410.00%
Q1 20259.98%
Q2 20259.97%
Q3 20259.98%
Q4 202510.01%
Q1 20269.99%
Q2 20269.99%
Noncurrent loans
0.23%0.41%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.27%
Q3 20240.23%
Q4 20240.30%
Q1 20250.43%
Q2 20250.44%
Q3 20250.51%
Q4 20250.33%
Q1 20260.58%
Q2 20260.58%
Return on assets
0.81%1.11%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.81%
Q3 20240.83%
Q4 20240.88%
Q1 20251.10%
Q2 20251.25%
Q3 20251.31%
Q4 20251.37%
Q1 20261.16%
Q2 20261.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$957.2M9.99%0.58%1.42%88.6%
Q1 202667$947.2M9.99%0.58%1.16%87.6%
Q4 202571$932.0M10.01%0.33%1.37%89.0%
Q3 202570$915.9M9.98%0.51%1.31%88.1%
Q2 202570$889.2M9.97%0.44%1.25%88.2%
Q1 202569$864.9M9.98%0.43%1.10%86.6%
Q4 202468$836.3M10.00%0.30%0.88%87.5%
Q3 202469$836.3M10.01%0.23%0.83%86.1%
Q2 202468$820.1M9.90%0.27%0.81%85.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.99%
31st
Total risk-based capital15.56%
71st
Problem loans0.58%
43rd
Net charge-offs0.01%
43rd
Return on assets1.42%
61st
Net interest margin3.78%
41st
Efficiency ratio57.7%
64th
Loans to deposits88.6%
29th
Uninsured deposits20.4%
63rd
Loan-loss reserves1.08%
36th
Texas ratio5.6%
32nd

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Central BankBank Little Rock, AR34 out of 100, Low$954.6M9.4%4.76%vs
Stone BankBank Mountain View, AR60 out of 100, Moderate$950.7M8.4%1.04%vs
FNBC BankBank Ash Flat, AR69 out of 100, Moderate$843.3M9.7%0.79%vs
First Western BankBank Booneville, AR60 out of 100, Moderate$792.7M8.9%0.76%vs
The Malvern National BankBank Malvern, AR71 out of 100, Strong$728.4M9.4%0.09%vs
Union BankBank Mena, AR82 out of 100, Strong$710.2M11.4%0.26%vs

Deposit insurance

Is my money safe at Diamond Bank?

Yes. Diamond Bank is an FDIC-insured institution (FDIC certificate #1527). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.4% of deposits ($170.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.99%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.56% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

Diamond Bank lists 14 offices in 13 cities across 2 states. Most locations:

  • Hot Springs, AR (2)
  • Ashdown, AR (1)
  • De Queen, AR (1)
  • Dierks, AR (1)
  • Glenwood, AR (1)
  • Hope, AR (1)
  • Mena, AR (1)
  • Mineral Springs, AR (1)
  • Mount Ida, AR (1)
  • Murfreesboro, AR (1)
  • Nashville, AR (1)
  • Russellville, AR (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Diamond Bank reported 269 home-loan applications under HMDA (LEI 254900YY36UO9MBPH808): 216 originated ($45,450,000 total), 24 denied, and 27 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Diamond Bank
Former names
Pike County Bank; Diamond State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
1527
RSSD ID
27847
Primary regulator
FED
Holding company
Bainum Bcorp
Established
December 16, 1904
Headquarters
319 E Main, Murfreesboro, AR 71958
Employees
152

Quick answers

Diamond Bank: common questions

Is Diamond Bank FDIC insured?

Yes. Diamond Bank is an FDIC-insured institution (FDIC certificate #1527). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Diamond Bank's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Diamond Bank ever failed?

There is no failure record for FDIC certificate #1527 in the FDIC failed bank list.

How many branches does Diamond Bank have?

14 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Murfreesboro

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of DelightBank Delight, AR86 out of 100, Very strong$201.0M13.4%0.29%vs
Chambers BankBank Danville, AR81 out of 100, Strong$1.6B12.6%0.23%vs
First State Bank of DeQueenBank De Queen, AR64 out of 100, Moderate$525.1M8.5%1.23%vs
Farmers Bank & Trust CompanyBank Magnolia, AR61 out of 100, Moderate$3.2B9.9%1.32%vs
Southern Bancorp BankBank Arkadelphia, AR61 out of 100, Moderate$3.0B11.9%1.42%vs