RIVERBANK

POCAHONTAS, AR | Small | Est. July 25, 1974, midnight | FDIC #31711 | RSSD #29476 | FDIC
Latest Report: 2025-12-31

RIVERBANK is asn small FDIC-insured commercial bank headquartered in POCAHONTAS, AR, established in July 25, 1974, midnight. As of 2025-12-31, the bank reported total assets of $162M and total deposits of $139M. Profitability stands at 1.67% ROA and 14.65% ROE, with a net interest margin of 4.49%. The bank's CET1 capital ratio is 11.51%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.74% and a Texas Ratio of 4.49%. FDIC Certificate #31711.

Assets

$162M

Deposits

$139M

Loans

$126M

Equity

$19M

Profitability

Return on Assets (ROA) 1.67%
Return on Equity (ROE) 14.65%
Net Interest Margin (NIM) 4.49%
Yield on Assets 7.47%
Cost of Funds 3.12%

Asset Quality

NPL Ratio 0.74%
Net Charge-Off Ratio 0.07%
Texas Ratio 4.49%
NPA Ratio 0.58%
ACL / Loans 1.44%

Capital & Liquidity

CET1 Ratio 11.51%
Tier 1 Capital 11.51%
Total Capital Ratio 12.09%
Leverage Ratio 11.72%
Loan-to-Deposit 90.45%

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