Rivers Edge 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 Loan-to-deposit ratio: 3.06 percentage points lower than in Q1 2026, at 92.47%. Within South Dakota, Rivers Edge Bank is 23rd of 56 on return on assets, 1.71% as of Q2 2026, above the middle of the field. Rivers Edge Bank reported 1.71% on return on assets for Q2 2026, 0.46 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.33% |
| Tier 1 risk-based capital ratio | 10.33% |
| Total risk-based capital ratio | 11.58% |
| Tier 1 leverage ratio | 8.30% |
| Equity capital to assets | 9.09% |
| Tangible equity to tangible assets | 8.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 1.35% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 852.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.71% |
| Return on equity | 19.08% |
| Net interest margin | 3.98% |
| Efficiency ratio | 53.87% |
| Yield on earning assets | 6.10% |
| Cost of funds | 2.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.47% |
| Core deposits to total deposits | 84.92% |
| Brokered deposits to total deposits | 2.82% |
| Deposits to assets | 82.86% |
| Securities to assets | 16.52% |
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 | 10.82% | 10.82% | 11.96% | 8.13% | 0.89% |
| Q4 2023 | 10.73% | 10.73% | 11.86% | 8.01% | 0.52% |
| Q1 2024 | 11.11% | 11.11% | 12.26% | 8.02% | 0.64% |
| Q2 2024 | 10.77% | 10.77% | 11.86% | 7.87% | 0.27% |
| Q3 2024 | 10.76% | 10.76% | 11.86% | 7.96% | 0.92% |
| Q4 2024 | 10.68% | 10.68% | 11.77% | 8.02% | 1.14% |
| Q1 2025 | 10.81% | 10.81% | 11.93% | 8.20% | 1.15% |
| Q2 2025 | 10.64% | 10.64% | 11.81% | 8.16% | 1.17% |
| Q3 2025 | 10.28% | 10.28% | 11.48% | 8.31% | 1.33% |
| Q4 2025 | 10.44% | 10.44% | 11.61% | 8.46% | 1.94% |
| Q1 2026 | 10.15% | 10.15% | 11.40% | 8.37% | 1.21% |
| Q2 2026 | 10.33% | 10.33% | 11.58% | 8.30% | 1.71% |
Rivers Edge Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Rivers Edge 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 Rivers Edge Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9935) · FFIEC NIC profile (RSSD 474450)