Riverbank (Spokane, WA)
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Data as of · sourced from FFIEC call reports. How we update
Riverbank is an FDIC-insured commercial bank headquartered in Spokane, WA, established in 2006 (FDIC certificate 58322), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $310.2M, up 12.6% from Q2 2025, the 21st largest of 29 banks headquartered in Washington. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.34% 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
- 58322
- Headquarters
- Spokane, WA
- Established
- 2006
- Total assets, Q2 2026
- $310.2M
- Assets vs Q2 2025
- +12.6%
- Tier 1 leverage ratio, Q2 2026
- 11.34%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 125108816
- Holding company
- RIVERBANK HOLDING COMPANY
- Asset rank in state
- 21st of 29 in Washington
Riverbank earns an unusually wide margin on its lending. Its balance sheet stood at $310 million at June 30, 2026, up 12.6% from a year earlier; it is based in Spokane, Washington. It keeps 5.06 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $1.5 million, 103% above the same quarter a year earlier. Its $38 million non-owner-occupied commercial real estate book is now fully current, after 2.58% of it was past due or on nonaccrual a year earlier.
As of June 30, 2026, Riverbank reported a return on assets of 1.99%, a nonperforming-loan ratio of 0.31% and a Texas ratio of 2.15%. The figures come from its call report filed with the FFIEC.
Riverbank ranks as the 21st largest of the 29 banks based in Washington, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 9.3% to $310.2M, loans rose 1.1% and deposits rose 9.9%. 1-4 family residential loans made up 20.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 19.3%. Its 3 offices in the FDIC Summary of Deposits are in Spokane, WA. Judged on its Q2 2026 call report, Riverbank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 202 E Spokane Falls Blvd, Spokane, WA 99202
- County
- Spokane
- Metro Area
- Spokane-Spokane Valley, WA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 22, 2006
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 39
- Domestic deposits
- $275.2M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $295.4M
- Average total loans
- $228.2M
- Average interest-bearing deposits
- $199.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 22, 2006
- FDIC Cert
- 58322
- Fed RSSD
- 3438958
- SEC CIK
- 1535665 → filed by RIVERBANK HOLDING COMPANY
- Website
- http://www.riverbankonline.com →
- Parent Holding Company
- RIVERBANK HOLDING COMPANY (RSSD 3438967)
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
From Q3 2023 to Q2 2026, Riverbank's total assets ranged from $236.8M (Q1 2024) to $310.2M (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
$310.2M total assets against $275.5M; $278.4M total liabilities against $249.0M.
$236.2M net loans and leases against $231.7M; $275.2M total deposits against $247.5M.
$22.1M securities against $25.0M; $47.8M cash and balances due against $14.2M.
$4.8M total interest income against $4.3M; $1.3M total interest expense against $1.4M.
$3.5M net interest income against $2.9M.
$793K total noninterest income against $397K; $2.4M total noninterest expense against $2.1M.
$63K provision for credit losses against $261K.
$1.5M net income against $722K.
1.99% return on assets against 1.07%; 5.06% net interest margin against 4.50%.
11.34% tier 1 leverage ratio against 10.53%.
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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Riverbank rankings
Its closest position to the top of a national ranking is 501 of 3,611, for ROA; its furthest is 2,203 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.02% (Q4 2024) to 1.99% (Q2 2026) and its net interest margin ran from 4.22% (Q3 2024) to 5.06% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.34% | 1.99% | 0.31% | 2.15% | 5.06% |
| Q1 2026 | 11.12% | 1.62% | 0.71% | 5.03% | 4.63% |
| Q4 2025 | 10.92% | 1.22% | 0.47% | 3.42% | 5.00% |
| Q3 2025 | 10.48% | 1.68% | 0.47% | 3.57% | 4.73% |
| Q2 2025 | 10.53% | 1.07% | 0.49% | 3.90% | 4.50% |
| Q1 2025 | 10.45% | 1.29% | 0.50% | 4.07% | 4.40% |
| Q4 2024 | 10.12% | 1.02% | 0.52% | 4.25% | 4.50% |
| Q3 2024 | 9.94% | 1.11% | 0.55% | 4.33% | 4.22% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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) | Spokane , WA | 99202 | $275.2M |
| Mobile Branch | Spokane , WA | 99202 | $0 |
| Main Branch | Spokane , WA | 99202 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in WA, rank 38 of 61 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 26 loans, $16.3M approved, $627K 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
- Enforcement actions, 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 $310.2 million in its FFIEC call report.
Where is Riverbank headquartered?
It is headquartered in Spokane, WA, United States.
When was Riverbank founded?
It was established in 2006, per the FDIC institution directory.
Is Riverbank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58322). 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 3 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 2.15% 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.
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