River Bank
Stoddard, WI · Cert 14995 · Peer group: banks $1B-$10B in assets (n=322-328) · River Holding Co.
State charter, non-member · FDIC · 13 branches
Q2 2026
$1.0BAssets
$852.9MLoans
$755.7MDeposits
$124.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets (rank 18 of 322).
- Widest gap: net interest margin trails 84% of banks $1B-$10B in assets (rank 275 of 328).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.93%
Rank 242 of 328
Net Interest Margin
2.84%
Rank 275 of 328
Efficiency Ratio
48.16%
Rank 53 of 328
Equity / Assets
12.25%
Rank 72 of 328
Non-interest income vs. expense
Unfavorable gap of $13.5M · efficiency ratio beats 84% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.91% | 1.22% | 1.52% | Beats 26% | 242 / 328 | |
| Return on Equity | 7.61% | 8.43% | 11.45% | 14.43% | Beats 18% | 268 / 328 | |
| Net Interest Margin | 2.84% | 3.03% | 3.45% | 3.83% | Beats 16% | 275 / 328 | |
| Efficiency Ratio | 48.16% | 51.61% | 59.56% | 67.53% | Beats 84% | 53 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.24% | 0.51% | 1.03% | Beats 81% | 62 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 100% | 18 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 14.39% | 11.75% | 13.15% | 15.47% | Beats 66% | 111 / 328 | |
| Total Risk-Based Capital Ratio | 15.64% | 12.63% | 14.15% | 16.46% | Beats 69% | 101 / 328 | |
| Equity / Assets | 12.25% | 9.15% | 10.33% | 12.01% | Beats 78% | 72 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 112.86% | 76.63% | 87.92% | 95.36% | 96th pctl | 13 / 323 | |
| Loans / Assets | 83.72% | 65.18% | 74.15% | 79.98% | 87th pctl | 43 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |