Riverbank
Pocahontas, AR · Cert 31711 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Riverbank Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$174.4MAssets
$136.3MLoans
$150.4MDeposits
$20.0MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 81% of banks under $1B in assets operating in a single state (rank 140 of 746).
- Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets operating in a single state (rank 713 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.18%
Rank 307 of 746
Net Interest Margin
3.68%
Rank 369 of 746
Efficiency Ratio
52.37%
Rank 140 of 746
Equity / Assets
11.49%
Rank 280 of 746
Non-interest income vs. expense
Unfavorable gap of $3.0M · efficiency ratio beats 81% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 0.72% | 1.06% | 1.45% | Beats 59% | 307 / 746 | |
| Return on Equity | 10.29% | 6.74% | 10.51% | 13.63% | Beats 49% | 381 / 746 | |
| Net Interest Margin | 3.68% | 3.17% | 3.68% | 4.16% | Beats 51% | 369 / 746 | |
| Efficiency Ratio | 52.37% | 55.74% | 64.58% | 75.47% | Beats 81% | 140 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.42% | 0.09% | 0.42% | 1.07% | Beats 4% | 713 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 56% | 327 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.18% | 11.55% | 13.75% | 17.60% | Beats 33% | 498 / 746 | |
| Total Risk-Based Capital Ratio | 12.18% | 11.71% | 14.33% | 18.43% | Beats 30% | 525 / 746 | |
| Equity / Assets | 11.49% | 8.90% | 10.51% | 13.06% | Beats 62% | 280 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 90.63% | 61.31% | 78.27% | 90.78% | 74th pctl | 191 / 746 | |
| Loans / Assets | 78.14% | 53.60% | 66.97% | 76.08% | 80th pctl | 148 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |