Riverstone Bank
Eagle, NE · Cert 10641 · Peer group: banks under $1B in assets operating regionally (n=94) · 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 91% of banks under $1B in assets operating regionally (rank 9 of 94).
- Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets operating regionally (rank 83 of 94).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.51%
Rank 20 of 94
Net Interest Margin
4.17%
Rank 25 of 94
Efficiency Ratio
55.99%
Rank 24 of 94
Equity / Assets
9.51%
Rank 64 of 94
Non-interest income vs. expense
Unfavorable gap of $12.6M · efficiency ratio beats 76% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.51% | 0.82% | 1.19% | 1.46% | Beats 79% | 20 / 94 | | |
| Return on Equity | 15.84% | 7.85% | 11.84% | 14.03% | Beats 85% | 14 / 94 | | |
| Net Interest Margin | 4.17% | 3.42% | 3.81% | 4.18% | Beats 73% | 25 / 94 | | |
| Efficiency Ratio | 55.99% | 55.99% | 62.41% | 73.02% | Beats 76% | 24 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.19% | 0.47% | 1.14% | Beats 91% | 9 / 94 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.05% | Beats 67% | 32 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 9.74% | 10.28% | 11.95% | 15.07% | Beats 14% | 81 / 94 | | |
| Total Risk-Based Capital Ratio | 9.74% | 10.31% | 12.59% | 15.88% | Beats 12% | 83 / 94 | | |
| Equity / Assets | 9.51% | 8.98% | 10.21% | 11.41% | Beats 32% | 64 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 101.61% | 72.62% | 84.44% | 94.55% | 86th pctl | 13 / 94 | | |
| Loans / Assets | 86.64% | 62.50% | 72.84% | 78.99% | 97th pctl | 3 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |