| Metric | Rivers Edge Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.4% | +4.4% | +8.1 pts |
| Deposit growth (YoY) | +9.9% | +4.0% | +6.0 pts |
| Loan growth (YoY) | +16.2% | +5.6% | +10.6 pts |
| ROA | 1.47% | 1.24% | +0.2 pts |
| ROE | 16.1% | 11.9% | +4.2 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $357.1M | $295.9M | $270.1M | $32.5M | $2.5M | 1.47% | 4.00% | 0.12% |
| Q1 2026 | $346.3M | $284.0M | $267.8M | $31.4M | $1.0M | 1.20% | 3.95% | 0.12% |
| Q4 2025 | $337.3M | $272.6M | $254.6M | $31.3M | $4.5M | 1.40% | 3.76% | 0.12% |
| Q3 2025 | $325.0M | $261.6M | $245.8M | $29.7M | $2.9M | 1.22% | 3.68% | 0.06% |
| Q2 2025 | $317.6M | $269.1M | $232.4M | $28.2M | $1.8M | 1.17% | 3.53% | 0.07% |
| Q1 2025 | $312.0M | $266.9M | $222.3M | $27.2M | $888K | 1.15% | 3.38% | 0.07% |
| Q4 2024 | $304.9M | $262.8M | $218.6M | $26.1M | $2.2M | 0.75% | 3.12% | 0.08% |
| Q3 2024 | $306.2M | $263.1M | $210.7M | $26.8M | $1.4M | 0.61% | 3.06% | 0.07% |
Loan mix (Q2 2026): real estate $124.3M · commercial $30.0M · consumer $6.7M · securities $59.0M
| Ratio | Rivers Edge Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.24% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 11.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.1% | 62.9% | 23rd |
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 | Rivers Edge 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 | Rivers Edge Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Rivers Edge 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 | Rivers Edge 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 | Rivers Edge Bank | 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.
5 branches in 4 counties across 2 states (+0 vs 2024) · $269.1M branch deposits. Biggest market: Turner, SD, ranked 1st with 33.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Turner, SD | 2 | $111.2M | 33.50% | 1st |
| Miner, SD | 1 | $70.9M | 72.66% | 1st |
| Sioux, IA | 1 | $57.0M | 2.02% | 8th |
| 1 more county with Pro → | ||||
South Dakota: 39th with 0.02% · Iowa: 277th with 0.04% · Sioux Falls metro: 26th, 0.02% ·
Branch count: 2022 6 · 2023 5 · 2024 5 · 2025 5