Riverwind Bank
Total assets
$167.8M
▲ +14.0% YoY
Deposits
$153.0M
▲ +13.5% YoY
Loans
$109.1M
▲ +10.4% YoY
Offices
4
RIVERWIND BANCSHARES INC
ROA (annualized)
0.81%
ROE (annualized)
13.24%
Peer comparison
No peer data.
Profile
- Established
- 1935
- Charter
- State
- Primary regulator
- FED
- Holding company
- RIVERWIND BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 100 S 2nd St, Augusta, AR, 72006
- County
- Woodruff
- Offices
- 4
- FDIC cert #
- 15035
- RSSD ID
- 855143
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $167.8M | $153.0M | $109.1M | $10.6M | $675K | 0.81% | 3.81% | 0.11% |
| Q1 2026 | $166.8M | $152.6M | $106.5M | $9.9M | $323K | 0.77% | 3.69% | 0.11% |
| Q4 2025 | $168.4M | $154.2M | $103.0M | $10.1M | $1.1M | 0.70% | 3.77% | 0.15% |
| Q3 2025 | $166.7M | $153.1M | $102.6M | $9.5M | $692K | 0.61% | 3.76% | 0.40% |
| Q2 2025 | $147.2M | $134.9M | $98.9M | $8.4M | $461K | 0.63% | 3.88% | 0.10% |
| Q1 2025 | $146.9M | $134.6M | $96.3M | $8.2M | $225K | 0.61% | 3.80% | 0.13% |
| Q4 2024 | $146.9M | $130.2M | $92.6M | $7.8M | $756K | 0.53% | 3.55% | 0.26% |
| Q3 2024 | $141.4M | $125.6M | $90.7M | $8.8M | $552K | 0.52% | 3.48% | 0.24% |
Loan mix (Q2 2026): real estate $94.6M · commercial $9.5M · consumer $2.2M · securities $32.5M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Riverwind Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 62.9% | — | |
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% |
Balance sheet
| Ratio | Riverwind 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% |
Capital
| Ratio | Riverwind 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% |
Credit quality
| Ratio | Riverwind 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% |
Franchise
| Ratio | Riverwind Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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