RIVERSIDE SAVINGS BANK, SSB

ROANOKE RAPIDS, NC | Micro | Est. Jan. 1, 1914, midnight | FDIC #28314 | RSSD #247476 | FDIC
Latest Report: 2025-12-31

RIVERSIDE SAVINGS BANK, SSB is amn micro FDIC-insured commercial bank headquartered in ROANOKE RAPIDS, NC, established in Jan. 1, 1914, midnight. As of 2025-12-31, the bank reported total assets of $94M and total deposits of $71M. Profitability stands at 0.17% ROA and 0.99% ROE, with a net interest margin of 2.99%. The bank's CET1 capital ratio is 15.61%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #28314.

Assets

$94M

Deposits

$71M

Loans

$59M

Equity

$16M

Profitability

Return on Assets (ROA) 0.17%
Return on Equity (ROE) 0.99%
Net Interest Margin (NIM) 2.99%
Yield on Assets 5.19%
Cost of Funds 2.55%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.69%

Capital & Liquidity

CET1 Ratio 15.61%
Tier 1 Capital 15.61%
Total Capital Ratio 16.39%
Leverage Ratio 18.79%
Loan-to-Deposit 82.36%

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