| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.1% | +4.4% | +9.7 pts |
| Deposit growth (YoY) | +15.4% | +4.0% | +11.5 pts |
| Loan growth (YoY) | +20.8% | +5.6% | +15.2 pts |
| ROA | 0.34% | 1.24% | -0.9 pts |
| ROE | 3.6% | 11.9% | -8.2 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $269.0M | $238.4M | $232.3M | $24.8M | $446K | 0.34% | 3.04% | 0.33% |
| Q1 2026 | $269.4M | $238.7M | $235.9M | $24.6M | $282K | 0.43% | 2.93% | 0.33% |
| Q4 2025 | $259.5M | $228.8M | $221.8M | $24.3M | $1.2M | 0.49% | 2.69% | 0.14% |
| Q3 2025 | $234.9M | $205.5M | $211.1M | $23.6M | $554K | 0.32% | 2.59% | 0.00% |
| Q2 2025 | $235.8M | $206.6M | $192.4M | $23.4M | $346K | 0.30% | 2.42% | 0.00% |
| Q1 2025 | $235.2M | $206.4M | $185.5M | $23.0M | $169K | 0.30% | 2.28% | 0.00% |
| Q4 2024 | $219.8M | $191.2M | $179.0M | $22.7M | $223K | 0.11% | 2.12% | 0.00% |
| Q3 2024 | $211.2M | $182.6M | $163.1M | $22.8M | $102K | 0.07% | 2.05% | 0.01% |
Loan mix (Q2 2026): real estate $203.8M · commercial $29.2M · consumer $1.1M · securities $6.7M
| Ratio | Riverside Bank of Dublin | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 1.24% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 11.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.8% | 62.9% | 86th |
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 | Riverside Bank of Dublin | 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 | Riverside Bank of Dublin | 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 | Riverside Bank of Dublin | 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 | Riverside Bank of Dublin | 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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