Augusta, AR · Cert 15035 · Riverwind Bancshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
2
Asset Quality
60
Profitability
45
Liquidity
81
Efficiency
35
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Augusta, AR · Cert 15035 · Riverwind Bancshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.53% | 0.61% | 0.63% | 0.61% | 0.70% | 0.77% | 0.81% | +18 bps | |
| Return on Equity | 9.12% | 9.44% | 11.28% | 11.37% | 10.90% | 12.39% | 12.94% | 13.24% | +187 bps | |
| Net Interest Margin | 3.11% | 3.18% | 3.34% | 3.46% | 3.30% | 3.17% | 3.42% | 3.44% | -2 bps | |
| Efficiency Ratio | 80.23% | 80.66% | 78.91% | 78.63% | 78.66% | 76.78% | 71.79% | 70.86% | -777 bps | |
| Non-Interest Burden | 2.40% | 2.47% | 2.55% | 2.63% | 2.51% | 2.34% | 2.34% | 2.32% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.16% | 11.37% | 2.14% | 0.93% | 17.89% | 14.63% | 13.55% | 14.00% | +1,308 bps | |
| Loan Growth (YoY) | 9.96% | 11.21% | 13.42% | 12.22% | 13.06% | 11.08% | 10.55% | 10.40% | -182 bps | |
| Deposit Growth (YoY) | 2.63% | 8.28% | 6.55% | 2.71% | 21.92% | 18.45% | 13.43% | 13.47% | +1,076 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.41% | 0.20% | 0.14% | 0.64% | 0.24% | 0.18% | 0.16% | +2 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | 0.07% | 0.01% | 0.01% | 0.03% | 0.01% | -5 bps | |
| Allowance / Loans | 1.29% | 1.33% | 1.29% | 1.23% | 1.22% | 1.26% | 1.23% | 1.25% | +2 bps | |
| Allowance Coverage of NPLs | 3.5x | 3.2x | 6.4x | 8.8x | 1.9x | 5.1x | 7.0x | 7.7x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.72% | 9.78% | 9.52% | 9.80% | 9.39% | 8.89% | 9.10% | 9.09% | -71 bps | |
| Total Risk-Based Capital | 9.72% | 9.78% | 9.52% | 9.80% | 9.39% | 8.89% | 9.10% | 9.09% | -71 bps | |
| Equity / Assets | 6.25% | 5.28% | 5.59% | 5.69% | 5.71% | 5.98% | 5.94% | 6.33% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.17% | 72.10% | 72.49% | 74.23% | 67.86% | 67.62% | 70.65% | 72.22% | -201 bps | |
| Liquid Assets / Assets | 0.53% | 0.65% | 0.61% | 0.44% | 0.39% | 0.39% | 0.39% | 0.24% | -20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 277% | 279% | 275% | n/a | n/a | |
Augusta, AR · Cert 15035 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Riverwind Bancshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets
0.80%
Rank 518 of 746
Net Interest Margin
3.44%
Rank 471 of 746
Efficiency Ratio
70.86%
Rank 485 of 746
Equity / Assets
6.33%
Rank 723 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.80% | 0.72% | 1.06% | 1.45% | Beats 31% | 518 / 746 | ||
| Return on Equity | 12.70% | 6.74% | 10.51% | 13.63% | Beats 68% | 238 / 746 | ||
| Net Interest Margin | 3.44% | 3.17% | 3.68% | 4.16% | Beats 37% | 471 / 746 | ||
| Efficiency Ratio | 70.86% | 55.74% | 64.58% | 75.47% | Beats 35% | 485 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.09% | 0.42% | 1.07% | Beats 69% | 231 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 50% | 376 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.09% | 11.55% | 13.75% | 17.60% | Beats 1% | 736 / 746 | ||
| Total Risk-Based Capital Ratio | 9.09% | 11.71% | 14.33% | 18.43% | Beats 1% | 736 / 746 | ||
| Equity / Assets | 6.33% | 8.90% | 10.51% | 13.06% | Beats 3% | 723 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.22% | 61.31% | 78.27% | 90.78% | 39th pctl | 455 / 746 | ||
| Loans / Assets | 65.85% | 53.60% | 66.97% | 76.08% | 47th pctl | 396 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||