Riverside Bank
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Data as of · sourced from FFIEC call reports. How we update
Riverside Bank is an FDIC-insured commercial bank headquartered in Sparkman, AR, established in 1916 (FDIC certificate 93), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $73.9M, up 4.0% from Q2 2025, the 76th largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 15.19% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 93
- Headquarters
- Sparkman, AR
- Established
- 1916
- Total assets, Q2 2026
- $73.9M
- Assets vs Q2 2025
- +4.0%
- CET1 ratio, Q2 2026
- 15.19%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 082905819
- Holding company
- OAK TREE FINANCIAL CORPORATION, INC.
- Asset rank in state
- 76th of 78 in Arkansas
Riverside Bank earns an unusually wide margin on its lending. It reported $74 million in assets at June 30, 2026, up 4.0% from a year earlier. It keeps 5.27 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). On the other hand, it pays an average of 3.05% on its deposits and borrowings, about double the median of 1.53% for banks its size.
Earnings jumped: net income for the quarter was $253,000, 48% above the same quarter a year earlier. Over the same year, loans grew 21.9% and deposits shrank 4.7%. Concentration is the risk to watch: it holds commercial real estate loans worth 1.1 times its capital, 4.1 times the median of 26% for banks its size.
As of June 30, 2026, Riverside Bank reported a CET1 capital ratio of 15.19%, a return on assets of 1.40%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.29%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Riverside Bank is the 76th largest of the 78 banks headquartered in Arkansas. Between Q1 2026 and Q2 2026, its total assets rose 5.3% to $73.9M, loans rose 9.3% and deposits fell 2.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 66.4% of total loans, ahead of commercial and industrial loans at 10.9%. Its 2 offices in the FDIC Summary of Deposits are in Little Rock, AR and Sparkman, AR; its Little Rock office books 67% of its branch deposits. On its Q2 2026 call report, Riverside Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 103 W Main St, Sparkman, AR 71763
- County
- Dallas
- 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
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1916
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $56.6M
- Allowance for credit losses
- $184K
- Net charge-offs (YTD)
- $0
- Average total assets
- $72.2M
- Average total loans
- $59.0M
- Average interest-bearing deposits
- $48.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 93
- Fed RSSD
- 977045
- SEC CIK
- 2042786 → filed by OAK TREE FINANCIAL CORPORATION, INC.
- Website
- www.riversidebanc.com →
- Parent Holding Company
- OAK TREE FINANCIAL CORPORATION, INC. (RSSD 5977479)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Riverside Bank's total assets ranged from $59.9M (Q3 2023) to $73.9M (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
$73.9M total assets against $71.0M; $62.1M total liabilities against $60.7M.
$62.4M net loans and leases against $51.3M; $56.6M total deposits against $59.5M.
$1.2M securities against $1.6M; $2.3M cash and balances due against $10.3M.
$1.3M total interest income against $1.2M; $434K total interest expense against $508K.
$821K net interest income against $713K.
$128K total noninterest income against $73K; $593K total noninterest expense against $549K.
$41K provision for credit losses against $14K.
$253K net income against $171K.
1.40% return on assets against 0.96%; 5.27% net interest margin against 4.62%.
15.19% CET1 capital ratio against 15.22%; 12.29% tier 1 leverage ratio against 10.26%.
Inside the full Riverside Bank 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.77% (Q4 2025) to 1.65% (Q3 2024) and its net interest margin ran from 4.17% (Q4 2024) to 5.27% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.19% | 1.40% | 0.04% | 0.29% | 5.27% |
| Q1 2026 | 16.04% | 0.81% | 0.04% | 0.29% | 4.81% |
| Q4 2025 | 16.37% | 0.77% | 0.05% | 0.33% | 4.66% |
| Q3 2025 | 16.23% | 0.92% | 0.05% | 0.36% | 4.77% |
| Q2 2025 | 15.22% | 0.96% | 0.06% | 0.42% | 4.62% |
| Q1 2025 | 15.91% | 0.78% | 1.00% | 6.45% | 4.19% |
| Q4 2024 | 12.40% | 1.36% | 0.06% | 0.50% | 4.17% |
| Q3 2024 | 13.00% | 1.65% | 0.06% | 0.51% | 4.29% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Little Rock Branch | Little Rock , AR | 72201 | $37.8M |
| Riverside Bank (main office) | Sparkman , AR | 71763 | $18.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in AR, rank 100 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 20 applications, 18 loans originated, $3.9M originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Riverside Bank
What are Riverside Bank's total assets?
As of the Q2 2026 filing, Riverside Bank reported total assets of $73.9 million in its FFIEC call report.
Where is Riverside Bank headquartered?
It is headquartered in Sparkman, AR, United States.
When was Riverside Bank founded?
It was established in 1916, per the FDIC institution directory.
Is Riverside Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #93). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Riverside Bank?
Riverside Bank's primary federal regulator is the FDIC.
What is Riverside Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.19% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Riverside Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Riverside Bank's Texas Ratio?
Its Texas Ratio is 0.29% 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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