RIVERSIDE BANK

SPARKMAN, AR | Micro | Est. Jan. 1, 1916, midnight | FDIC #93 | RSSD #977045 | FDIC
Latest Report: 2025-12-31

RIVERSIDE BANK is amn micro FDIC-insured commercial bank headquartered in SPARKMAN, AR, established in Jan. 1, 1916, midnight. As of 2025-12-31, the bank reported total assets of $72M and total deposits of $60M. Profitability stands at 0.79% ROA and 5.01% ROE, with a net interest margin of 4.51%. The bank's CET1 capital ratio is 16.37%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 0.23%. FDIC Certificate #93.

Assets

$72M

Deposits

$60M

Loans

$55M

Equity

$11M

Profitability

Return on Assets (ROA) 0.79%
Return on Equity (ROE) 5.01%
Net Interest Margin (NIM) 4.51%
Yield on Assets 7.45%
Cost of Funds 3.90%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.23%
NPA Ratio 0.04%
ACL / Loans 0.18%

Capital & Liquidity

CET1 Ratio 16.37%
Tier 1 Capital 16.37%
Total Capital Ratio 16.58%
Leverage Ratio 11.42%
Loan-to-Deposit 92.38%

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