🏦Bank Scorer

This institution is no longer active

Operations ceased on April 18, 1997. CRA examination history below reflects the period it was active.

DIAMOND BANK

DIAMOND, MO · Supervised by FDIC

Est. 1904FDIC #20,529RSSD: FDIC-20529
Satisfactory Same

Current rating · Exam: April 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 3.45%

Institution Profile

FDIC BankFind

Address

109 East Market Street, DIAMOND, MO

County

Newton County

Established

September 1, 1904

Total Assets

$19M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 31 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 1997Call Report / FDIC

Total Assets

$19M

Total Deposits

$17M

Net Loans

$12M

Net Income

$167K

ROA

3.45%

ROE

25.64%

Risk-Based Capital

20.28%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate7.48%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202425483.86%7.48%
202322673.45%8.85%
202235767.79%11.76%
202141772.18%11.03%
202042773.3%10.07%
201943574.25%10.80%
201842769.32%13.11%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

3 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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