| Metric | RVR Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.9% | -1.5 pts |
| Deposit growth (YoY) | +2.5% | +4.3% | -1.8 pts |
| Loan growth (YoY) | +3.6% | +5.3% | -1.8 pts |
| ROA | 2.00% | 1.28% | +0.7 pts |
| ROE | 19.2% | 12.4% | +6.8 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $570.2M | $506.5M | $430.7M | $59.5M | $5.6M | 2.00% | 4.48% | 0.12% |
| Q1 2026 | $554.3M | $493.4M | $415.9M | $57.5M | $2.5M | 1.81% | 4.42% | 0.15% |
| Q4 2025 | $557.1M | $495.2M | $423.6M | $58.2M | $9.4M | 1.74% | 4.34% | 0.08% |
| Q3 2025 | $554.9M | $494.3M | $423.1M | $57.1M | $7.3M | 1.81% | 4.30% | 0.05% |
| Q2 2025 | $551.4M | $494.0M | $415.8M | $54.1M | $4.6M | 1.71% | 4.20% | 0.15% |
| Q1 2025 | $531.6M | $475.3M | $391.8M | $53.4M | $2.0M | 1.52% | 4.09% | 0.39% |
| Q4 2024 | $522.6M | $468.2M | $391.1M | $51.4M | $7.0M | 1.38% | 4.01% | 0.16% |
| Q3 2024 | $516.4M | $459.9M | $385.0M | $53.2M | $5.5M | 1.44% | 3.98% | 0.09% |
Loan mix (Q2 2026): real estate $346.5M · commercial $56.1M · consumer $4.9M · securities $83.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | RVR Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.00% | 1.28% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 19.2% | 12.4% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.6% | 61.2% | 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 | RVR 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 | RVR 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 | RVR 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 | RVR 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 | RVR 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.
6 branches in 2 counties across 1 state (+0 vs 2024) · $494.0M branch deposits. Biggest market: Dodge, NE, ranked 3rd with 19.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dodge, NE | 4 | $366.0M | 19.71% | 3rd |
| Washington, NE | 2 | $128.0M | 19.76% | 2nd |
Nebraska: 37th with 0.51% · Omaha metro: 43rd, 0.28% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6