Riverbank: 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.
Reserve coverage of non-performing loans dropped 63.73 percentage points in Q2 2026, from 107.20% to 43.47%. It was the largest change from Q1 2026 among the key lines here. Riverbank ranks 57th of 78 Arkansas banks on return on assets, in the lower half at 1.08% (Q2 2026). Riverbank reported 1.08% on return on assets for Q2 2026, 0.17 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.18% |
| Equity capital to assets | 11.49% |
| Tangible equity to tangible assets | 11.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.42% |
| Non-performing assets ratio | 2.67% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 10.09% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | 43.47% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.08% |
| Return on equity | 8.99% |
| Net interest margin | 3.86% |
| Efficiency ratio | 54.32% |
| Yield on earning assets | 6.53% |
| Cost of funds | 2.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.63% |
| Core deposits to total deposits | 82.41% |
| Brokered deposits to total deposits | 11.88% |
| Deposits to assets | 86.22% |
| Securities to assets | 10.12% |
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 | 20.05% | 20.05% | 21.31% | 14.38% | 1.06% |
| Q4 2023 | 22.36% | 22.36% | 23.62% | 14.22% | 0.83% |
| Q1 2024 | 21.33% | 21.33% | 22.59% | 15.54% | 1.43% |
| Q2 2024 | 20.23% | 20.23% | 21.49% | 14.59% | 1.53% |
| Q3 2024 | 19.18% | 19.18% | 20.44% | 12.70% | 1.15% |
| Q4 2024 | 19.68% | 19.68% | 20.94% | 12.27% | 1.39% |
| Q1 2025 | — | — | — | 13.00% | 1.99% |
| Q2 2025 | — | — | — | 12.22% | 1.19% |
| Q3 2025 | — | — | — | 11.72% | 1.39% |
| Q4 2025 | — | — | — | 11.72% | 1.70% |
| Q1 2026 | — | — | — | 12.24% | 1.46% |
| Q2 2026 | — | — | — | 12.18% | 1.08% |
Riverbank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Riverbank, 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 Riverbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31711) · FFIEC NIC profile (RSSD 29476)