| Metric | RiverBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.8% | +4.4% | +7.5 pts |
| Deposit growth (YoY) | +10.0% | +4.0% | +6.0 pts |
| Loan growth (YoY) | +14.1% | +5.6% | +8.6 pts |
| ROA | 1.23% | 1.24% | -0.0 pts |
| ROE | 10.6% | 11.9% | -1.3 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $174.4M | $150.4M | $134.3M | $20.0M | $1.0M | 1.23% | 3.94% | 2.67% |
| Q1 2026 | $164.8M | $142.8M | $124.7M | $19.6M | $586K | 1.44% | 4.18% | 1.08% |
| Q4 2025 | $161.9M | $139.1M | $124.0M | $19.0M | $2.4M | 1.54% | 4.16% | 0.58% |
| Q3 2025 | $167.3M | $146.8M | $129.9M | $18.6M | $1.7M | 1.47% | 3.99% | 1.01% |
| Q2 2025 | $156.0M | $136.8M | $117.6M | $18.0M | $1.1M | 1.53% | 3.93% | 1.24% |
| Q1 2025 | $144.8M | $125.2M | $108.1M | $17.6M | $677K | 1.91% | 3.85% | 0.13% |
| Q4 2024 | $138.5M | $120.9M | $102.9M | $16.9M | $1.7M | 1.36% | 4.16% | 0.50% |
| Q3 2024 | $139.7M | $120.6M | $105.7M | $16.8M | $1.2M | 1.33% | 4.26% | 0.07% |
Loan mix (Q2 2026): real estate $96.4M · commercial $13.7M · consumer $1.4M · securities $17.7M
| Ratio | RiverBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.24% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 11.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.4% | 62.9% | 21th |
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 | RiverBank | 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 | RiverBank | 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 | RiverBank | 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 | RiverBank | 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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