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 | |