Diamond Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 8.8 percent of nonperforming loans to core capital combined with 6.4 percent from a year earlier contributes to the Good asset quality (5.0).
Other Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 15.6 and a capital leverage ratio of 10.0. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.3) profitability.
Asset Mix:
Home mtgs (18%), securities (16%), comm re (15%), comm loans (6%), cash (2%), consumer loans (1%), other (42%)
States with Branches:
AR, TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Bainum Bancorp
Investment Rating
--
Address
319 East Main Street
Murfreesboro, AR 71958
Murfreesboro, AR 71958
Phone Number
(870) 356-2121
Year Founded
1904
FDIC Number
Website
Largest Affiliates
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