Riverside Savings Bank, SSB
Roanoke Rapids, NC · Cert 28314 · Peer group: banks under $1B in assets (n=581-629)
SI · FDIC · 1 branch
Q2 2026
$94.5MAssets
$59.4MLoans
$72.5MDeposits
$16.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: return on equity trails 86% of banks under $1B in assets (rank 538 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.46%
Rank 513 of 629
Net Interest Margin
2.90%
Rank 503 of 629
Efficiency Ratio
83.29%
Rank 505 of 629
Equity / Assets
17.21%
Rank 102 of 629
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 20% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.46% | 0.60% | 1.01% | 1.45% | Beats 18% | 513 / 629 | | |
| Return on Equity | 2.67% | 5.38% | 9.30% | 13.28% | Beats 14% | 538 / 629 | | |
| Net Interest Margin | 2.90% | 3.03% | 3.54% | 4.05% | Beats 20% | 503 / 629 | | |
| Efficiency Ratio | 83.29% | 58.35% | 67.79% | 79.08% | Beats 20% | 505 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 18.78% | 11.24% | 13.84% | 18.77% | Beats 75% | 157 / 629 | | |
| Total Risk-Based Capital Ratio | 18.78% | 11.58% | 14.43% | 19.66% | Beats 73% | 172 / 629 | | |
| Equity / Assets | 17.21% | 9.09% | 10.65% | 13.80% | Beats 84% | 102 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.87% | 67.24% | 80.90% | 93.48% | 51st pctl | 291 / 594 | | |
| Loans / Assets | 62.78% | 53.31% | 67.71% | 78.15% | 40th pctl | 377 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |