Riverwind Bank
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
$167.8MAssets
$110.5MLoans
$153.0MDeposits
$10.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 69% of banks under $1B in assets operating in a single state (rank 231 of 743).
- Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets operating in a single state (rank 736 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $4.0M · efficiency ratio beats 35% of banks under $1B in assets operating in a single state | 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 |