Riverside Bank
Sparkman, AR · Cert 93 · Peer group: banks under $1B in assets (n=570-617) · Oak Tree Financial Corp. Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$73.9MAssets
$62.6MLoans
$56.6MDeposits
$11.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 160 of 570).
- Widest gap: return on equity trails 68% of banks under $1B in assets (rank 421 of 617).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.09%
Rank 281 of 617
Net Interest Margin
4.60%
Rank 54 of 617
Efficiency Ratio
66.95%
Rank 296 of 617
Equity / Assets
15.99%
Rank 114 of 617
Non-interest income vs. expense
Unfavorable gap of $2.0M · efficiency ratio beats 52% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.09% | 0.60% | 1.01% | 1.45% | Beats 54% | 281 / 617 | |
| Return on Equity | 6.80% | 5.30% | 9.43% | 13.30% | Beats 32% | 421 / 617 | |
| Net Interest Margin | 4.60% | 3.04% | 3.54% | 4.05% | Beats 91% | 54 / 617 | |
| Efficiency Ratio | 66.95% | 58.03% | 67.76% | 79.08% | Beats 52% | 296 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.47% | 1.27% | Beats 82% | 106 / 570 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 160 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 15.19% | 11.18% | 13.83% | 18.55% | Beats 61% | 240 / 617 | |
| Total Risk-Based Capital Ratio | 15.52% | 11.56% | 14.39% | 19.39% | Beats 58% | 261 / 617 | |
| Equity / Assets | 15.99% | 9.03% | 10.55% | 13.63% | Beats 82% | 114 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 110.48% | 64.77% | 79.70% | 93.06% | 96th pctl | 23 / 582 | |
| Loans / Assets | 84.66% | 51.70% | 67.18% | 77.51% | 92nd pctl | 47 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |