Riverbank (Pocahontas, AR)
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Data as of · sourced from FFIEC call reports. How we update
Riverbank is an FDIC-insured commercial bank headquartered in Pocahontas, AR, established in 1974 (FDIC certificate 31711), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $174.4M, up 11.8% from Q2 2025, the 67th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.18% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 31711
- Headquarters
- Pocahontas, AR
- Established
- 1974
- Total assets, Q2 2026
- $174.4M
- Assets vs Q2 2025
- +11.8%
- Tier 1 leverage ratio, Q2 2026
- 12.18%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 284170109
- Latest call report
- Q2 2026, FFIEC 051 · Riverbank call report
- Holding company
- RIVERBANK BANCSHARES, INC.
- Asset rank in state
- 67th of 78 in Arkansas
Problem loans are rising at Riverbank. It reported $174 million in assets at June 30, 2026, up 11.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.62% of loans from 0.16% a year earlier. It pays an average of 2.84% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also grew its loan book 14.2% over the year, 2.6 times the median of 5.5% for banks its size.
Loans are outrunning deposits: over the year loans rose 14.2% and deposits rose 10.0%. Credit is the area to watch: it carries problem assets equal to 10.1% of the capital and reserves that would absorb them, 3.8 times the median of 2.6% for banks its size.
As of June 30, 2026, Riverbank reported a return on assets of 1.08%, a nonperforming-loan ratio of 3.42% and a Texas ratio of 10.09%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Riverbank is the 67th largest of the 78 banks headquartered in Arkansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.9% to $174.4M, loans rose 7.7% and deposits rose 5.3%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 40.3% of total loans, followed by agricultural production loans at 18.2%. The FDIC Summary of Deposits lists 4 offices for it, in Pocahontas, AR, Corning, AR and Paragould, AR; its Pocahontas 2 offices book 85% of its branch deposits. By the capital ratios in its Q2 2026 call report, Riverbank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 203 W Broadway St, Pocahontas, AR 72455
- County
- Randolph
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 25, 1974
- Former names
- Riverbank Savings and Loan Association (2013-2015)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $150.4M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $164.5M
- Average total loans
- $130.2M
- Average interest-bearing deposits
- $127.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31711
- Fed RSSD
- 29476
- Website
- eriverbank.com →
- Parent Holding Company
- RIVERBANK BANCSHARES, INC. (RSSD 6053754)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Riverbank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Riverbank's total assets ran between $107.0M (Q4 2023) and $174.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$174.4M total assets against $156.0M; $154.4M total liabilities against $137.9M.
$134.3M net loans and leases against $117.6M; $150.4M total deposits against $136.8M.
$17.7M securities against $15.1M; $11.1M cash and balances due against $12.0M.
$2.5M total interest income against $2.4M; $1.0M total interest expense against $1.0M.
$1.5M net interest income against $1.4M.
$57K total noninterest income against $61K; $827K total noninterest expense against $824K.
$122K provision for credit losses against $65K.
$445K net income against $443K.
1.08% return on assets against 1.19%; 3.86% net interest margin against 4.10%.
12.18% tier 1 leverage ratio against 12.22%.
Inside the full Riverbank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Riverbank rankings
Its closest position to the top of a national ranking is 636 of 3,640, for Texas Ratio; its furthest is 3,139 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.08% (Q2 2026) to 1.99% (Q1 2025) and its net interest margin ran from 3.71% (Q4 2024) to 4.55% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.18% | 1.08% | 3.42% | 10.09% | 3.86% |
| Q1 2026 | 12.24% | 1.46% | 1.40% | 5.03% | 4.26% |
| Q4 2025 | 11.72% | 1.70% | 0.74% | 1.11% | 4.55% |
| Q3 2025 | 11.72% | 1.39% | 1.28% | 0.46% | 4.15% |
| Q2 2025 | 12.22% | 1.19% | 1.61% | 1.06% | 4.10% |
| Q1 2025 | 13.00% | 1.99% | 0.16% | 0.78% | 3.98% |
| Q4 2024 | 12.27% | 1.39% | 0.65% | 3.54% | 3.71% |
| Q3 2024 | 12.70% | 1.15% | 0.08% | 0.33% | 3.77% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Riverbank (main office) | Pocahontas , AR | 72455 | $96.2M |
| Pocahontas Branch | Pocahontas , AR | 72455 | $31.2M |
| Corning Branch | Corning , AR | 72422 | $18.9M |
| Paragould Branch | Paragould , AR | 72450 | $4.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC (former OTS)); 4 against individuals associated with it
- February 2, 1999, OCC (former OTS): Cease and Desist: Corning S&LA
- December 12, 1996, OCC (former OTS): Cease and Desist: Corning S&LA
- Period: Most recent institution action February 2, 1999. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in AR, rank 82 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 6 loans, $1.4M approved, $228K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Riverbank
What are Riverbank's total assets?
As of the Q2 2026 filing, Riverbank reported total assets of $174.4 million in its FFIEC call report.
Where is Riverbank headquartered?
It is headquartered in Pocahontas, AR, United States.
When was Riverbank founded?
It was established in 1974, per the FDIC institution directory.
Is Riverbank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #31711). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Riverbank?
Riverbank's primary federal regulator is the FDIC.
How many branches does Riverbank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Riverbank's Texas Ratio?
Its Texas Ratio is 10.09% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Riverbank previously called?
The charter now named Riverbank has also operated as Riverbank Savings and Loan Association (2013-2015), per FDIC structure-change records.
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