| Metric | RiverBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.6% | +4.4% | +8.3 pts |
| Deposit growth (YoY) | +11.2% | +4.0% | +7.2 pts |
| Loan growth (YoY) | +1.9% | +5.6% | -3.7 pts |
| ROA | 1.78% | 1.24% | +0.5 pts |
| ROE | 17.3% | 11.9% | +5.5 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $310.2M | $275.2M | $236.2M | $31.9M | $2.6M | 1.78% | 4.70% | 0.24% |
| Q1 2026 | $283.7M | $250.5M | $233.5M | $30.3M | $1.2M | 1.62% | 4.59% | 0.59% |
| Q4 2025 | $292.7M | $257.4M | $230.6M | $29.2M | $3.6M | 1.33% | 4.64% | 0.38% |
| Q3 2025 | $277.2M | $247.9M | $233.4M | $27.9M | $2.8M | 1.37% | 4.56% | 0.40% |
| Q2 2025 | $275.5M | $247.5M | $231.7M | $26.5M | $1.6M | 1.18% | 4.43% | 0.42% |
| Q1 2025 | $265.3M | $236.2M | $228.0M | $25.6M | $860K | 1.30% | 4.35% | 0.43% |
| Q4 2024 | $262.3M | $236.3M | $217.4M | $24.4M | $2.1M | 0.83% | 4.23% | 0.44% |
| Q3 2024 | $262.2M | $236.3M | $207.0M | $24.0M | $1.4M | 0.76% | 4.11% | 0.44% |
Loan mix (Q2 2026): real estate $196.1M · commercial $43.4M · consumer $88K · securities $22.1M
| Ratio | RiverBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.78% | 1.24% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 17.3% | 11.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.70% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.2% | 62.9% | 33th |
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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