Riverbank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Riverbank of Spokane, WA against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.99% | 1.25% | +0.74% | 85th top |
| ROAE | 18.91% | 12.22% | +6.69% | 83rd top |
| Net Interest Margin | 5.06% | 3.95% | +1.11% | 93rd top |
| Efficiency Ratio | 54.88% | 63.71% | -8.83% | 69th above |
| PPNR / Avg Assets | 2.63% | — | — | 91st top |
| Yield on Earning Assets | 6.95% | 5.67% | +1.28% | 94th top |
| Cost of Funds | 1.69% | 1.87% | -0.18% | 57th above |
| Net Interest Spread | 3.52% | — | — | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.31% | 0.88% | -0.57% | 56th above |
| NPA / Total Assets | 0.24% | — | — | 56th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.34% | — | — | 67th above |
| ACL / NPLs (Coverage) | 425.50% | — | — | 67th above |
| Texas Ratio | 2.15% | 5.96% | -3.81% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.34% | 11.75% | -0.41% | 55th above |
| Equity / Assets | 10.27% | 10.98% | -0.71% | 48th below |
| TCE / Tangible Assets | 10.27% | — | — | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.97% | 80.44% | +6.53% | 36th below |
| Core Deposit Ratio | 91.18% | 86.95% | +4.23% | 62nd above |
| Wholesale Funding Ratio | 0.64% | — | — | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.61% | — | — | 88th top |
| Loan Growth (Y/Y) | 1.96% | — | — | 30th below |
| Deposit Growth (Y/Y) | 11.20% | — | — | 86th top |
See Riverbank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Riverbank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Riverbank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Riverbank peer analysis.