| Metric | Riverview Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +5.5% | -8.5 pts |
| Deposit growth (YoY) | +4.1% | +5.1% | -1.0 pts |
| Loan growth (YoY) | +2.4% | +5.9% | -3.5 pts |
| ROA | -0.77% | 1.26% | -2.0 pts |
| ROE | -6.6% | 12.2% | -18.7 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.47B | $1.27B | $1.08B | $167.1M | $-5.7M | -0.77% | 3.32% | 0.60% |
| Q1 2026 | $1.46B | $1.26B | $1.08B | $166.4M | $-7.7M | -2.07% | 3.12% | 0.53% |
| Q4 2025 | $1.51B | $1.24B | $1.07B | $184.5M | $6.3M | 0.42% | 2.98% | 0.07% |
| Q3 2025 | $1.51B | $1.24B | $1.05B | $183.0M | $4.6M | 0.41% | 2.91% | 0.05% |
| Q2 2025 | $1.51B | $1.22B | $1.05B | $181.5M | $3.2M | 0.42% | 2.89% | 0.01% |
| Q1 2025 | $1.51B | $1.24B | $1.05B | $178.8M | $1.5M | 0.41% | 2.79% | 0.01% |
| Q4 2024 | $1.51B | $1.23B | $1.03B | $176.1M | $2.4M | 0.16% | 2.68% | 0.03% |
| Q3 2024 | $1.55B | $1.25B | $1.05B | $177.4M | $834K | 0.07% | 2.63% | 0.03% |
Loan mix (Q2 2026): real estate $904.5M · commercial $124.4M · consumer $25.8M · securities $175.9M
| Ratio | Riverview Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.77% | 1.26% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -6.6% | 12.2% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.0% | 59.0% | 95th |
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 | Riverview 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 | Riverview 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 | Riverview 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 | Riverview 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.