| Metric | River Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +5.5% | -4.3 pts |
| Deposit growth (YoY) | +1.7% | +5.1% | -3.3 pts |
| Loan growth (YoY) | +1.9% | +5.9% | -4.0 pts |
| ROA | 1.14% | 1.26% | -0.1 pts |
| ROE | 9.7% | 12.2% | -2.5 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.02B | $755.7M | $841.3M | $124.7M | $5.9M | 1.14% | 2.91% | 0.14% |
| Q1 2026 | $1.05B | $795.0M | $836.7M | $122.3M | $2.2M | 0.85% | 2.84% | 0.17% |
| Q4 2025 | $1.05B | $782.3M | $834.9M | $121.7M | $10.6M | 1.04% | 2.39% | 0.22% |
| Q3 2025 | $1.01B | $755.7M | $829.2M | $118.1M | $6.6M | 0.88% | 2.27% | 0.20% |
| Q2 2025 | $1.01B | $742.8M | $825.2M | $114.8M | $4.0M | 0.79% | 2.18% | 0.20% |
| Q1 2025 | $1.01B | $751.8M | $812.6M | $113.3M | $1.9M | 0.75% | 2.07% | 0.23% |
| Q4 2024 | $1.01B | $737.1M | $815.9M | $108.6M | $6.7M | 0.64% | 1.88% | 0.23% |
| Q3 2024 | $1.01B | $733.8M | $832.0M | $109.6M | $5.6M | 0.72% | 1.84% | 0.19% |
Loan mix (Q2 2026): real estate $834.1M · commercial $6.4M · consumer $332K · securities $77.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.26% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 12.2% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.9% | 59.0% | 19th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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