| Metric | Riverside Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +3.0% | +1.0 pts |
| Deposit growth (YoY) | -4.7% | +2.5% | -7.2 pts |
| Loan growth (YoY) | +21.6% | +2.6% | +19.0 pts |
| ROA | 1.12% | 0.99% | +0.1 pts |
| ROE | 6.9% | 8.1% | -1.1 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $73.9M | $56.6M | $62.4M | $11.8M | $402K | 1.12% | 4.99% | 0.03% |
| Q1 2026 | $70.2M | $58.2M | $57.1M | $11.6M | $149K | 0.84% | 4.87% | 0.03% |
| Q4 2025 | $71.8M | $60.1M | $55.4M | $11.4M | $620K | 0.90% | 4.67% | 0.04% |
| Q3 2025 | $72.5M | $59.9M | $56.4M | $11.3M | $478K | 0.93% | 4.64% | 0.04% |
| Q2 2025 | $71.0M | $59.5M | $51.3M | $10.3M | $307K | 0.91% | 4.55% | 0.04% |
| Q1 2025 | $68.6M | $55.2M | $46.8M | $10.2M | $136K | 0.83% | 4.45% | 0.69% |
| Q4 2024 | $61.9M | $53.1M | $50.7M | $5.6M | $906K | 1.49% | 4.10% | 0.05% |
| Q3 2024 | $59.9M | $51.0M | $52.9M | $5.7M | $694K | 1.53% | 4.08% | 0.05% |
Loan mix (Q2 2026): real estate $53.4M · commercial $6.8M · consumer $2.3M · securities $1.2M
| Ratio | Riverside Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.99% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 8.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.99% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.9% | 70.8% | 39th |
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 | 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 | 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 | 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 | 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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