Riverbank
Spokane, WA · Cert 58322 · Peer group: banks under $1B in assets (n=581-629) · Riverbank Holding Co.
State charter, non-member · FDIC · 3 branches
Q2 2026
$310.2MAssets
$239.4MLoans
$275.2MDeposits
$31.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: total risk-based capital ratio trails 78% of banks under $1B in assets (rank 489 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.70%
Rank 112 of 629
Net Interest Margin
4.53%
Rank 64 of 629
Efficiency Ratio
57.22%
Rank 145 of 629
Equity / Assets
10.27%
Rank 356 of 629
Non-interest income vs. expense
Unfavorable gap of $6.5M · efficiency ratio beats 77% 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 | 1.70% | 0.60% | 1.01% | 1.45% | Beats 82% | 112 / 629 | | |
| Return on Equity | 16.56% | 5.38% | 9.30% | 13.28% | Beats 88% | 75 / 629 | | |
| Net Interest Margin | 4.53% | 3.03% | 3.54% | 4.05% | Beats 90% | 64 / 629 | | |
| Efficiency Ratio | 57.22% | 58.35% | 67.79% | 79.08% | Beats 77% | 145 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.09% | 0.46% | 1.20% | Beats 57% | 252 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.34% | 11.24% | 13.84% | 18.77% | Beats 26% | 464 / 629 | | |
| Total Risk-Based Capital Ratio | 11.34% | 11.58% | 14.43% | 19.66% | Beats 22% | 489 / 629 | | |
| Equity / Assets | 10.27% | 9.09% | 10.65% | 13.80% | Beats 43% | 356 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.97% | 67.24% | 80.90% | 93.48% | 62nd pctl | 225 / 594 | | |
| Loans / Assets | 77.16% | 53.31% | 67.71% | 78.15% | 72nd pctl | 175 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |