Riverstone Bank
Eagle, NE · Cert 10641 · Peer group: banks under $1B in assets operating regionally (n=99) · Tri Valley Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
$593.4MAssets
$514.2MLoans
$506.0MDeposits
$56.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 93% of banks under $1B in assets operating regionally (rank 8 of 99).
- Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets operating regionally (rank 87 of 99).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.51%
Rank 22 of 99
Net Interest Margin
4.17%
Rank 26 of 99
Efficiency Ratio
55.99%
Rank 26 of 99
Equity / Assets
9.51%
Rank 66 of 99
Non-interest income vs. expense
Unfavorable gap of $12.6M · efficiency ratio beats 75% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.51% | 0.82% | 1.19% | 1.48% | Beats 78% | 22 / 99 | |
| Return on Equity | 15.84% | 7.92% | 11.87% | 14.08% | Beats 86% | 14 / 99 | |
| Net Interest Margin | 4.17% | 3.44% | 3.80% | 4.18% | Beats 74% | 26 / 99 | |
| Efficiency Ratio | 55.99% | 55.83% | 62.41% | 73.02% | Beats 75% | 26 / 99 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.19% | 0.46% | 1.04% | Beats 93% | 8 / 99 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.06% | Beats 67% | 34 / 99 | |
| Capital |
| Tier 1 Capital Ratio | 9.74% | 10.28% | 11.95% | 14.75% | Beats 14% | 85 / 99 | |
| Total Risk-Based Capital Ratio | 9.74% | 10.45% | 12.59% | 15.64% | Beats 12% | 87 / 99 | |
| Equity / Assets | 9.51% | 8.89% | 10.14% | 11.36% | Beats 33% | 66 / 99 | |
| Liquidity & Funding |
| Loans / Deposits | 101.61% | 74.57% | 84.03% | 94.55% | 86th pctl | 14 / 99 | |
| Loans / Assets | 86.64% | 62.55% | 71.25% | 78.99% | 97th pctl | 3 / 99 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |