| Metric | Riverwind Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.0% | +4.4% | +9.6 pts |
| Deposit growth (YoY) | +13.5% | +4.0% | +9.5 pts |
| Loan growth (YoY) | +10.4% | +5.6% | +4.8 pts |
| ROA | 0.81% | 1.24% | -0.4 pts |
| ROE | 13.2% | 11.9% | +1.4 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| 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 | Riverwind Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 1.24% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 11.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 62.9% | 70th |
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 | 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% |
| Ratio | Riverwind 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 | 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% |
| 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% |
| Ratio | Riverwind 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.
Riverwind Bank is in an open deal as the target: FNBC Bank to acquire Riverwind Bank (approved). Vendor decisions typically freeze until closing; the acquirer inherits the contracts.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Sep 14, 2026 | Target | FNBC Bank | Merger | Approved | Federal Reserve |
| Sep 14, 2026 | Target | FNBC Bank | Merger | Approved | Federal Reserve |
4 branches in 2 counties across 1 state (+0 vs 2025) · $153.0M branch deposits. Biggest market: Woodruff, AR, ranked 2nd with 39.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Woodruff, AR | 1 | $93.0M | 39.83% | 2nd |
| White, AR | 3 | $60.0M | 2.70% | 8th |
Arkansas: 87th with 0.13% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend in line with peers (21 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).