Riverwood Bank
Bemidji, MN · Cert 27932 · Peer group: banks under $1B in assets in MN (n=124-126)
FDIC · 12 branches
Q3 2024
$657.7MAssets
$519.5MLoans
$591.5MDeposits
$51.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 79% of banks under $1B in assets in MN (rank 27 of 126).
- Widest gap: equity / assets trails 82% of banks under $1B in assets in MN (rank 103 of 126).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.98%
Rank 54 of 126
Net Interest Margin
3.24%
Rank 64 of 126
Efficiency Ratio
63.89%
Rank 48 of 126
Equity / Assets
7.88%
Rank 103 of 126
Non-interest income vs. expense
Unfavorable gap of $12.2M · efficiency ratio beats 63% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.57% | 0.86% | 1.26% | Beats 57% | 54 / 126 | |
| Return on Equity | 12.39% | 5.98% | 9.44% | 12.15% | Beats 79% | 27 / 126 | |
| Net Interest Margin | 3.24% | 2.90% | 3.27% | 3.83% | Beats 49% | 64 / 126 | |
| Efficiency Ratio | 63.89% | 58.59% | 67.34% | 75.19% | Beats 63% | 48 / 126 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.87% | 0.02% | 0.33% | 1.14% | Beats 31% | 87 / 124 | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.01% | 0.04% | Beats 24% | 95 / 124 | |
| Capital |
| Tier 1 Capital Ratio | 11.00% | 11.32% | 13.51% | 18.92% | Beats 20% | 101 / 126 | |
| Total Risk-Based Capital Ratio | 12.17% | 11.73% | 14.10% | 19.91% | Beats 29% | 90 / 126 | |
| Equity / Assets | 7.88% | 8.19% | 9.75% | 12.03% | Beats 18% | 103 / 126 | |
| Liquidity & Funding |
| Loans / Deposits | 87.82% | 61.75% | 75.71% | 91.93% | 71st pctl | 36 / 124 | |
| Loans / Assets | 78.98% | 54.10% | 64.74% | 77.31% | 78th pctl | 27 / 124 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |