Spokane, WA · Cert 58322 · Riverbank Holding Co.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Spokane-Spokane Valley, WA · 2026 SOD (annual) · 2.5% share · #9 of 17 inst. · $0.3B of $10.9B
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 | 0.76% | 0.83% | 1.30% | 1.18% | 1.37% | 1.32% | 1.62% | 1.78% | +60 bps | |
| Return on Equity | 8.20% | 9.01% | 13.78% | 12.42% | 14.18% | 13.60% | 15.72% | 17.32% | +491 bps | |
| Net Interest Margin | 3.70% | 3.81% | 4.18% | 4.21% | 4.18% | 4.33% | 4.41% | 4.53% | +32 bps | |
| Efficiency Ratio | 74.41% | 71.54% | 61.51% | 63.04% | 61.15% | 62.87% | 59.90% | 57.22% | -582 bps | |
| Non-Interest Burden | 2.70% | 2.66% | 2.32% | 2.43% | 2.31% | 2.53% | 2.32% | 2.19% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.10% | 8.82% | 12.04% | 13.02% | 5.74% | 11.58% | 6.94% | 12.61% | -41 bps | |
| Loan Growth (YoY) | 9.86% | 17.74% | 20.33% | 19.96% | 12.96% | 6.23% | 2.55% | 1.96% | -1,801 bps | |
| Deposit Growth (YoY) | 12.13% | 11.31% | 13.61% | 12.89% | 4.90% | 8.92% | 6.08% | 11.20% | -169 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.55% | 0.52% | 0.50% | 0.49% | 0.47% | 0.47% | 0.71% | 0.31% | -18 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.15% | 1.20% | 1.20% | 1.30% | 1.31% | 1.34% | 1.33% | 1.34% | +4 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.3x | 2.4x | 2.7x | 2.8x | 2.8x | 1.9x | 4.3x | +1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.94% | 10.12% | 10.45% | 10.53% | 10.48% | 10.91% | 11.12% | 11.34% | +81 bps | |
| Total Risk-Based Capital | 9.94% | 10.12% | 10.45% | 10.53% | 10.48% | 10.91% | 11.12% | 11.34% | +81 bps | |
| Equity / Assets | 9.15% | 9.29% | 9.63% | 9.62% | 10.07% | 9.98% | 10.66% | 10.27% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.62% | 93.10% | 97.73% | 94.86% | 95.43% | 90.80% | 94.48% | 86.97% | -789 bps | |
| Liquid Assets / Assets | 5.19% | 3.74% | 1.34% | 1.73% | 2.46% | 4.20% | 3.49% | 8.55% | +682 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 487% | 462% | 440% | n/a | n/a | |