River Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.86 percentage points higher than in Q1 2026, at 158.95%. River Bank ranks 62nd of 153 Wisconsin banks on return on assets, in the upper half at 1.44% (Q2 2026). River Bank reported 1.44% on return on assets for Q2 2026, 0.16 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.39% |
| Tier 1 risk-based capital ratio | 14.39% |
| Total risk-based capital ratio | 15.64% |
| Tier 1 leverage ratio | 12.02% |
| Equity capital to assets | 12.25% |
| Tangible equity to tangible assets | 11.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.86% |
| Non-performing assets ratio | 0.72% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.06% |
| Allowance for credit losses to loans | 1.36% |
| Reserve coverage of non-performing loans | 158.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.44% |
| Return on equity | 12.02% |
| Net interest margin | 2.98% |
| Efficiency ratio | 47.07% |
| Yield on earning assets | 4.96% |
| Cost of funds | 2.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 112.86% |
| Core deposits to total deposits | 86.33% |
| Brokered deposits to total deposits | 0.83% |
| Deposits to assets | 74.18% |
| Securities to assets | 7.59% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.67% | 11.67% | 12.92% | 9.50% | 0.56% |
| Q4 2023 | 12.17% | 12.17% | 13.42% | 9.84% | 0.75% |
| Q1 2024 | 12.61% | 12.61% | 13.80% | 9.98% | 0.82% |
| Q2 2024 | 12.91% | 12.91% | 14.03% | 10.40% | 0.80% |
| Q3 2024 | 12.97% | 12.97% | 14.21% | 10.57% | 0.52% |
| Q4 2024 | 13.37% | 13.37% | 14.62% | 10.84% | 0.41% |
| Q1 2025 | 13.83% | 13.83% | 15.08% | 11.05% | 0.73% |
| Q2 2025 | 13.78% | 13.78% | 15.03% | 11.37% | 0.82% |
| Q3 2025 | 13.94% | 13.94% | 15.19% | 11.50% | 1.05% |
| Q4 2025 | 14.18% | 14.18% | 15.37% | 11.75% | 1.52% |
| Q1 2026 | 14.31% | 14.31% | 15.56% | 11.62% | 0.85% |
| Q2 2026 | 14.39% | 14.39% | 15.64% | 12.02% | 1.44% |
River Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock River Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14995) · FFIEC NIC profile (RSSD 279842)