Fort Worth, TX · Cert 26708 · Riverbend Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #126 of 166 inst. · $0.1B of $732.8B
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 | 0.34% | 0.41% | 0.22% | 0.46% | 0.58% | 0.49% | 1.31% | 0.16% | -30 bps | |
| Return on Equity | 8.65% | 10.69% | 3.57% | 6.46% | 7.66% | 6.28% | 16.09% | 1.99% | -447 bps | |
| Net Interest Margin | 2.85% | 2.62% | 2.28% | 2.71% | 3.00% | 3.03% | 3.38% | 3.28% | +57 bps | |
| Efficiency Ratio | 90.96% | 89.18% | 93.36% | 86.03% | 83.31% | 86.02% | 69.40% | 88.39% | +236 bps | |
| Non-Interest Burden | 2.43% | 2.14% | 1.99% | 2.09% | 2.23% | 2.40% | 1.64% | 2.79% | +70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.53% | 22.24% | 24.60% | 24.66% | 7.06% | 12.72% | 23.31% | 20.53% | -413 bps | |
| Loan Growth (YoY) | 0.45% | 5.30% | 11.59% | 21.22% | 36.76% | 30.57% | 32.90% | 36.13% | +1,491 bps | |
| Deposit Growth (YoY) | 25.00% | 22.42% | 19.78% | 17.64% | 0.91% | 1.07% | 18.40% | 16.72% | -92 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.35% | 0.33% | 0.30% | 0.27% | 0.27% | 0.25% | 0.00% | -30 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.05% | 0.00% | 0.00% | 0.00% | 0.00% | -0.53% | 0.22% | +22 bps | |
| Allowance / Loans | 1.50% | 1.30% | 1.22% | 1.14% | 1.12% | 1.10% | 1.15% | 1.00% | -13 bps | |
| Allowance Coverage of NPLs | 4.0x | 3.7x | 3.7x | 3.8x | 4.1x | 4.1x | 4.6x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 5.53% | 5.29% | 9.88% | 9.79% | 9.91% | 9.64% | 9.24% | 7.88% | -191 bps | |
| Total Risk-Based Capital | 9.71% | 9.38% | 9.88% | 9.79% | 9.91% | 9.64% | 9.24% | 7.88% | -191 bps | |
| Equity / Assets | 3.90% | 3.66% | 8.68% | 8.90% | 9.11% | 8.57% | 7.80% | 7.51% | -139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.67% | 54.75% | 61.31% | 67.49% | 71.39% | 70.74% | 68.81% | 78.71% | +1,122 bps | |
| Liquid Assets / Assets | 21.00% | 19.76% | 16.20% | 11.60% | 14.33% | 12.43% | 16.85% | 6.61% | -499 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 508% | 525% | 566% | n/a | n/a | |