Riverside Bank
Sparkman, AR · Cert 93 · Peer group: banks under $1B in assets (n=581-629) · 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 158 of 581).
- Widest gap: return on equity trails 68% of banks under $1B in assets (rank 427 of 629).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.09%
Rank 286 of 629
Net Interest Margin
4.60%
Rank 54 of 629
Efficiency Ratio
66.95%
Rank 301 of 629
Equity / Assets
15.99%
Rank 122 of 629
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 55% | 286 / 629 | |
| Return on Equity | 6.80% | 5.38% | 9.30% | 13.28% | Beats 32% | 427 / 629 | |
| Net Interest Margin | 4.60% | 3.03% | 3.54% | 4.05% | Beats 91% | 54 / 629 | |
| Efficiency Ratio | 66.95% | 58.35% | 67.79% | 79.08% | Beats 52% | 301 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.46% | 1.20% | Beats 82% | 106 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 15.19% | 11.24% | 13.84% | 18.77% | Beats 61% | 245 / 629 | |
| Total Risk-Based Capital Ratio | 15.52% | 11.58% | 14.43% | 19.66% | Beats 58% | 266 / 629 | |
| Equity / Assets | 15.99% | 9.09% | 10.65% | 13.80% | Beats 81% | 122 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 110.48% | 67.24% | 80.90% | 93.48% | 95th pctl | 28 / 594 | |
| Loans / Assets | 84.66% | 53.31% | 67.71% | 78.15% | 92nd pctl | 53 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |