| Metric | Diamond Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +4.9% | +2.7 pts |
| Deposit growth (YoY) | +7.0% | +4.3% | +2.6 pts |
| Loan growth (YoY) | +7.4% | +5.3% | +2.1 pts |
| ROA | 1.42% | 1.28% | +0.1 pts |
| ROE | 16.4% | 12.4% | +4.0 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $957.2M | $838.4M | $742.7M | $83.6M | $6.7M | 1.42% | 3.78% | 0.54% |
| Q1 2026 | $947.2M | $832.9M | $730.0M | $80.9M | $2.7M | 1.16% | 3.70% | 0.55% |
| Q4 2025 | $932.0M | $818.4M | $728.4M | $81.1M | $12.2M | 1.37% | 3.51% | 0.36% |
| Q3 2025 | $915.9M | $806.4M | $710.4M | $76.3M | $8.6M | 1.31% | 3.44% | 0.41% |
| Q2 2025 | $889.2M | $783.7M | $691.4M | $70.5M | $5.4M | 1.25% | 3.36% | 0.35% |
| Q1 2025 | $864.9M | $773.8M | $670.0M | $67.3M | $2.3M | 1.10% | 3.22% | 0.35% |
| Q4 2024 | $836.3M | $746.9M | $653.3M | $66.3M | $7.3M | 0.88% | 2.97% | 0.25% |
| Q3 2024 | $836.3M | $741.1M | $637.7M | $69.2M | $5.1M | 0.83% | 2.93% | 0.18% |
Loan mix (Q2 2026): real estate $658.5M · commercial $56.4M · consumer $14.1M · securities $150.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Diamond Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.28% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 12.4% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.7% | 61.2% | 39th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Diamond Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Diamond Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Diamond Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Diamond Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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