| Metric | River Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +5.5% | +3.5 pts |
| Deposit growth (YoY) | +8.8% | +5.1% | +3.7 pts |
| Loan growth (YoY) | +11.2% | +5.9% | +5.3 pts |
| ROA | 1.49% | 1.26% | +0.2 pts |
| ROE | 16.9% | 12.2% | +4.7 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.02B | $3.51B | $2.82B | $355.1M | $29.2M | 1.49% | 3.81% | 0.39% |
| Q1 2026 | $3.92B | $3.45B | $2.71B | $342.4M | $14.6M | 1.52% | 3.78% | 0.39% |
| Q4 2025 | $3.79B | $3.33B | $2.69B | $339.1M | $43.8M | 1.18% | 3.57% | 0.35% |
| Q3 2025 | $3.84B | $3.35B | $2.61B | $322.0M | $32.5M | 1.18% | 3.50% | 0.25% |
| Q2 2025 | $3.69B | $3.22B | $2.54B | $298.1M | $21.4M | 1.18% | 3.44% | 0.19% |
| Q1 2025 | $3.63B | $3.16B | $2.51B | $287.0M | $8.9M | 0.99% | 3.36% | 0.24% |
| Q4 2024 | $3.58B | $3.07B | $2.46B | $270.4M | $32.2M | 0.94% | 3.01% | 0.24% |
| Q3 2024 | $3.50B | $3.04B | $2.40B | $276.1M | $23.4M | 0.92% | 2.95% | 0.33% |
Loan mix (Q2 2026): real estate $2.35B · commercial $335.5M · consumer $49.5M · securities $798.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | River Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 1.26% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 12.2% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.2% | 59.0% | 17th |
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 & Trust | 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 & Trust | 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 & Trust | 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 & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.