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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Arkansas, the state note

Diamond Bank

Murfreesboro, Arkansas · $957M in assets · beside the 11 other Arkansas banks between $300M and $1B

The filing

14.9%
CRE / loans
1st of 12
106.8%
CRE / capital
2nd of 12
8.7%
Equity / assets
10th of 12

Diamond Bank is the largest of the 12 Arkansas banks nearest its size between $300M and $1B, with $957M in assets at 30 June 2026. Loans are 89.5% of deposits, 7th of 12 against a median of 88.4%, and equity is 8.7% of assets, 10th of 12. Loans grew +7.4% in the year, 8th of 12, and deposits grew 7.0%; the cohort's median loan growth is +8.7%.

Noncurrent loans are 0.58% of the book, 5th of 12 against a median of 0.70%; 0.68% is 30 to 89 days past due, and the allowance covers them 1.9 times. Commercial real estate is 14.9% of loans, the lowest in the cohort against a median of 29.6%, and 107% of capital, below the 300% screen, with construction at 49% against the 100% screen.

Return on assets is 1.39%, 7th of 12 against a median of 1.47%, on an efficiency ratio of 57.7%, 8th of 12. Five years ago it was 1.28%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansAR banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 29.6% DB Diamond Bank 14.9% UB Union Bank 16.8% CB CS Bank 17.3% SB Stone Bank 21.0% CB Cross Bank 25.0% FB FNBC Bank 29.4% CB Central Bank 29.8% FW First Western Bank 33.1% MN Malvern National Bank 36.2% FN First National Bank of Eastern Arkansas 38.9% FS First State Bank 41.2% CB Citizens Bank & Trust Co. 51.5%
Loans, year over yearAR banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +8.7% CB Central Bank +19.2% FW First Western Bank +13.5% FS First State Bank +12.7% CB CS Bank +9.4% SB Stone Bank +9.2% FB FNBC Bank +8.7% UB Union Bank +8.7% DB Diamond Bank +7.4% CB Cross Bank +5.3% FN First National Bank of Eastern Arkansas +4.8% MN Malvern National Bank +2.9% CB Citizens Bank & Trust Co. -1.2%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Diamond BankRankCohort median
Total CRE against capital, the 300% screen107%2nd of 12198%
Construction against capital, the 100% screen49%3rd of 1260%
Construction and land development, share of loans6.8%3rd of 128.9%
Non-owner-occupied nonfarm nonresidential, share of loans3.5%1st of 1213.7%
Total CRE, the guidance definition, share of loans14.9%1st of 1229.6%
CRE growth over 36 months, the third prong+15.2%2nd of 12+37.5%
Commercial real estate against capital, the 300% screenAR banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 198% UB Union Bank 95% DB Diamond Bank 107% CB CS Bank 123% SB Stone Bank 176% MN Malvern National Bank 192% FB FNBC Bank 197% CB Cross Bank 199% FN First National Bank of Eastern Arkansas 220% CB Citizens Bank & Trust Co. 241% CB Central Bank 246% FS First State Bank 248% FW First Western Bank 279%
CRE growth over 36 months, the guidance's third prongAR banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +37.5% MN Malvern National Bank +11.1% DB Diamond Bank +15.2% CB Citizens Bank & Trust Co. +17.3% FW First Western Bank +18.8% SB Stone Bank +20.6% FN First National Bank of Eastern Arkansas +36.2% CB CS Bank +38.8% FB FNBC Bank +43.2% CB Cross Bank +45.0% FS First State Bank +64.2% CB Central Bank +83.6% UB Union Bank +191.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Diamond Bank$957M1.4%57.7%0.58%0.01%1.1%89.5%8.7%
Central Bank$955M1.1%34.5%4.76%0.66%1.4%110.4%9.2%
Stone Bank$951M1.6%53.1%1.04%0.25%1.4%98.5%7.9%
FNBC Bank$843M1.6%62.5%0.79%0.06%1.9%87.2%8.1%
First Western Bank$793M1.1%68.0%0.76%0.00%0.9%96.4%8.8%
Malvern National Bank$728M1.0%68.8%0.09%0.01%2.0%60.8%9.3%
Union Bank$710M2.4%51.3%0.26%0.06%1.5%77.7%11.3%
First State Bank$665M0.6%57.6%0.04%0.00%1.1%84.1%16.4%
CS Bank$628M2.1%57.4%1.37%0.12%1.7%109.1%11.9%
Cross Bank$593M1.9%41.9%2.47%0.01%1.8%99.5%10.5%
First National Bank of Eastern Arkansas$589M1.1%62.4%0.64%0.17%1.5%72.3%10.9%
Citizens Bank & Trust Co.$566M1.5%47.7%0.20%0.10%1.5%61.8%10.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Diamond BankCohort median
20212026Change20212026Change
Loans$527M$751M+42%$288M$508M+77%
Deposits$640M$838M+31%$447M$641M+43%
NPA / loans0.46%0.58%+0.12 pts0.44%0.70%+0.26 pts
Efficiency60.3%57.7%-2.6 pts55.9%57.5%+1.6 pts
ROA1.28%1.39%+0.11 pts1.44%1.47%+0.02 pts

This read was prepared for Diamond Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Diamond Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort AR banks $300M to $1B
Institution www.diamond.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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