# DIAMOND BANK
MURFREESBORO, AR · FDIC certificate 1527 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $957.2M | |
| Deposits | $838.4M | |
| Loans and leases | $750.7M | |
| Total equity | $83.6M | |
| Loans / deposits | 88.58% (p67 of band) | 82.04% |
| Liquid assets / assets | 17.51% (p23 of band) | |
| Uninsured deposits / deposits | 20.38% (p30 of band) | 25.97% |
| Brokered deposits | 0.73% | |
| Wholesale funding | 3.66% (p51 of band) | |
| FHLB advances / assets | 2.82% | |
| Tier 1 leverage | 9.99% (p34 of band) | 10.81% |
| Unrealized securities loss / equity | -15.78% (p29 of band) | -8.10% |
| AOCI / equity | 0.34% (p89 of band) | |
| ROA (annualized) | 1.42% (p59 of band) | 1.28% |
| Net interest margin | 3.78% (p43 of band) | 3.91% |
| Efficiency ratio | 57.69% (p39 of band) | |
| Noncurrent loans | 0.58% (p57 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p56 of band) | |
| Reserve coverage of noncurrent | 187.13% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 61.37% (p65 of band) | |
| Auto loans | $3.9M (0.52% of loans; DQ 3.17%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.0% | |
| Employees | 152 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | deposits shrinking, assets shrinking |  |
| 2012-06 | 0 |  | deposits shrinking, assets shrinking |
| 2012-09 | 2 | deposits shrinking, assets shrinking |  |
| 2012-12 | 0 |  | deposits shrinking, assets shrinking |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 0 |  | charge-offs p90 |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 | charge-offs p90 | capital falling |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | securities losses >30% of equity |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | construction >100% equity |  |
| 2025-03 | 1 | capital falling | construction >100% equity |
| 2025-06 | 2 | construction >100% equity |  |
| 2025-09 | 0 |  | capital falling, construction >100% equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-02-24 [Gibbs Named President at Diamond Bank (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMimgFBVV95cUxQUDR5LV8tWjkxaEVYOERXMVJwZXlpb1ZlWU52SGJsUTd4OXVmNEJtTzRsYWdPTGFJMkIzRDNOLXE2emdvY3NFRVRtSGZYTXJRVHI2MUIxbThSUUZSVzBIVFdGV2phNkdQMXVVT2RmNVBNeWZjblQ2cEFyNDlIMEtxdHAtSTZvckdRU0RCek5NeENZczJ1RGxseURn?oc=5) · Arkansas Business
- 2026-02-23 [Brenda Cheryl Roberts Obituary (2026) - Murfreesboro, AR - Latimer Funeral Home - Murfreesboro - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOa1RFSElqODhjT25lSHBackVzLU9lRjBFWDNKMkRISnJ1a3RmSURnNFppcl93dGl5WVFqWkpIZ0k1dmt3U2lGSndqSUprSURKaVM0RXRudXpnSW1NQUNyb0lER0c5dV9qUG5mN0lMQ1FjbkxpMy1fREI3ZHpaZG1MRmttbw?oc=5) · legacy.com
- 2021-08-05 [Gallery: 29 of the Best Annual Reports in Banking - The Financial Brand](https://news.google.com/rss/articles/CBMinAFBVV95cUxObjBvaWxrSlFQbEVINWhUMFQybER5elJmdGZES1otYlRWRnE2Z0djaUtUd2paOU84LUYydjd5S1NmZWFkRFJ3d3RrLTU5cnZEQXFUOVZibWkzNktrc253b2xfM0xuaXkzT0liNGc0akNXV1BDNTd4UklUNVcwR25LczlQVXA3S2tVUE9IN1dYLVRQZTl6RHEwbnRHVDU?oc=5) · The Financial Brand
- 2016-08-31 [2 bank robbery suspects make first court appearance - KSLA](https://news.google.com/rss/articles/CBMikgFBVV95cUxOcTV6WFJlQ1FQVHBuY04wS045ZHVnQXNnemFkeG8zZ2JoQl9BdmRiVEpnMG15ZWtZUzlkMWtoa2hJeWZyZDRybHduc0JPVG1SR2dVU1ZiVnZqbjFjMko0U3lIbzhVQ2JFLUhtSXZqeUZ5Rm42S3J4MmZNdmNET1FUeGJhUVNpS0tMaDJrNXltejlVQdIBpAFBVV95cUxQNk5MZ3lRVnVDY0xwcGVza0FnbklyZ1ZBc0tqTzdxMmdONVhfXzlWUldoS2ZiYmtJamo2cWhJM2VZczYwWjBiUzBfOGR1WWw4Y2NUcFN5MEFjcHZpMm9MTEZlSGtSc3djSFdySnZVQkxEZmZ6Q3Q4aXcxSFVMeTFwWS1iMU91V0NFY2dDX2thNEE4VDJUbmZmQmhlT3ZOMkx6aGt5TA?oc=5) · KSLA
- 2019-12-30 [Gibbs promoted to president of DB - Hot Springs Sentinel Record](https://news.google.com/rss/articles/CBMihgFBVV95cUxOc0J4UWFBQ3VUM1dIVFdjSnF1QTA5aXNESFYtWU16am1oTnoxWDRHV290cGQ3RlBjQmFONFZFSkxHU1cxaUNKMzZnT1l4OGhvWi1OOXh3ZXFpbUo1clNzM1A3dk9TejdzV2VVS3FLWUg4TlB6OTJyUUJWNWRjVEFSbjlObmVDUQ?oc=5) · Hot Springs Sentinel Record
- 2022-04-04 [Arkansas Eyes Upon Texas Lending - Arkansas Business](https://news.google.com/rss/articles/CBMif0FVX3lxTFA3QlBqYlZLU3FjaUExcFRYajFTYkdJdWFWSW9SNUVLajRXZUZEREZlZVVyNGl6a1o3QWY0cS1waklKeEFJcVl4SWU3NGRjbGI1ejdlYzF4SDdZcEZ2TjBuRmdUd0FvUnlvZC1jRU40RGFUVzhEcjZ4UkpNYU5zd2M?oc=5) · Arkansas Business
- 2019-03-06 [Updated: Access, Diamond Bank shareholders approve merger - Business News Nigeria](https://news.google.com/rss/articles/CBMinwFBVV95cUxOc0VYWjRLVkNnclJnenlGUzlJUDR2eHNOUXJZb3B5U2JCSmVFSGVYX01VbnVSOU1HUFpkV1BOUnVtZjkxRDljTVZ4TmFaVEtXb09ZMHVFcGEtNW5zNUpqRjNaSHBfTjBDTk8ycVVOcV9fNk1FVXhWRTRERnhxSjJRZTBxQmFaM0VPNWZ3aC1IUmhSUmlENXh6Wk1ITm1uZEk?oc=5) · Business News Nigeria
- 2025-04-08 [Centerpoint vs St. Joseph - Girls Varsity Soccer 04/08/2025 | Watch Live & On Demand - NFHS Network](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNWjA3NkZWdVZNaGo5cFVFbGlrZ1lLeG9MTFd5TkhwcDZKaENkMkVlTVpyWVVZVFQ1Rzc0aWFIUzltT3pjbG9OS1Y3ZWRpYUZObHpjajhoVE85eGdXQ0JVWWZpT3YyaFJCOVkyWEhXdDFUNlJYVS02WnZDaFpha3lDcEM3MTl3R1V2?oc=5) · NFHS Network

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1527 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/55.json (key "1527", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide