Rivers Edge Bank
Marion, SD · Cert 9935 · Peer group: banks under $1B in assets (n=581-629) · First State Associates Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$357.1MAssets
$273.6MLoans
$295.9MDeposits
$32.5MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 85% of banks under $1B in assets (rank 96 of 629).
- Widest gap: tier 1 capital ratio trails 86% of banks under $1B in assets (rank 538 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.20%
Rank 242 of 629
Net Interest Margin
3.72%
Rank 262 of 629
Efficiency Ratio
53.09%
Rank 96 of 629
Equity / Assets
9.09%
Rank 473 of 629
Non-interest income vs. expense
Unfavorable gap of $6.6M · efficiency ratio beats 85% 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 | 1.20% | 0.60% | 1.01% | 1.45% | Beats 62% | 242 / 629 | | |
| Return on Equity | 13.18% | 5.38% | 9.30% | 13.28% | Beats 74% | 164 / 629 | | |
| Net Interest Margin | 3.72% | 3.03% | 3.54% | 4.05% | Beats 58% | 262 / 629 | | |
| Efficiency Ratio | 53.09% | 58.35% | 67.79% | 79.08% | Beats 85% | 96 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.09% | 0.46% | 1.20% | Beats 69% | 183 / 581 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 36% | 372 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 10.33% | 11.24% | 13.84% | 18.77% | Beats 14% | 538 / 629 | | |
| Total Risk-Based Capital Ratio | 11.58% | 11.58% | 14.43% | 19.66% | Beats 25% | 472 / 629 | | |
| Equity / Assets | 9.09% | 9.09% | 10.65% | 13.80% | Beats 25% | 473 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.47% | 67.24% | 80.90% | 93.48% | 74th pctl | 157 / 594 | | |
| Loans / Assets | 76.61% | 53.31% | 67.71% | 78.15% | 71st pctl | 184 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |