Pocahontas, AR · Cert 31711 · Riverbank Bancshares Inc.
State charter, non-member · FDIC · 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 | 1.33% | 1.36% | 1.91% | 1.53% | 1.47% | 1.54% | 1.43% | 1.23% | -30 bps | |
| Return on Equity | 9.79% | 10.23% | 15.70% | 12.79% | 12.55% | 13.11% | 12.16% | 10.56% | -223 bps | |
| Net Interest Margin | 3.49% | 3.38% | 3.67% | 3.56% | 3.48% | 3.61% | 3.92% | 3.68% | +13 bps | |
| Efficiency Ratio | 51.66% | 51.56% | 47.68% | 51.98% | 52.70% | 50.92% | 50.48% | 52.37% | +40 bps | |
| Non-Interest Burden | 1.70% | 1.61% | 1.14% | 1.55% | 1.62% | 1.61% | 1.83% | 1.83% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.55% | 29.51% | 31.55% | 32.06% | 19.82% | 16.90% | 13.77% | 11.85% | -2,021 bps | |
| Loan Growth (YoY) | 10.98% | 20.47% | 17.49% | 18.07% | 22.63% | 20.19% | 15.26% | 14.21% | -386 bps | |
| Deposit Growth (YoY) | 21.64% | 33.49% | 35.08% | 37.47% | 21.70% | 15.06% | 14.03% | 9.96% | -2,750 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.65% | 0.16% | 1.61% | 1.28% | 0.74% | 1.40% | 3.42% | +181 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | -0.01% | 0.02% | 0.01% | 0.07% | 0.02% | 0.01% | -1 bps | |
| Allowance / Loans | 1.54% | 1.64% | 1.55% | 1.43% | 1.36% | 1.44% | 1.51% | 1.49% | +6 bps | |
| Allowance Coverage of NPLs | 19.2x | 2.5x | 9.8x | 0.9x | 1.1x | 1.9x | 1.1x | 0.4x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.70% | 12.27% | 13.00% | 12.22% | 11.72% | 11.72% | 12.24% | 12.18% | -4 bps | |
| Total Risk-Based Capital | 20.44% | 20.94% | 13.00% | 12.22% | 11.72% | 11.72% | 12.24% | 12.18% | -4 bps | |
| Equity / Assets | 12.03% | 12.21% | 12.15% | 11.56% | 11.14% | 11.73% | 11.87% | 11.49% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.02% | 86.58% | 87.69% | 87.26% | 89.70% | 90.45% | 88.63% | 90.63% | +337 bps | |
| Liquid Assets / Assets | 2.71% | 2.11% | 2.00% | 2.84% | 2.08% | 1.39% | 3.30% | 2.30% | -54 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 178.12% | 187.78% | 196.46% | n/a | n/a | |