Riverside Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Risk-weighted assets climbed 9.0% in Q2 2026, from $51.1M to $55.7M. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Riverside Bank is 13th of 37 on CET1 ratio, 15.19% as of Q2 2026. Riverside Bank reported 15.19% on CET1 ratio for Q2 2026, 4.78 points below the 19.96% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.19% |
| Tier 1 risk-based capital ratio | 15.19% |
| Total risk-based capital ratio | 15.52% |
| Tier 1 leverage ratio | 12.29% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $8.5M |
| Tier 1 capital | $8.5M |
| Total risk-based capital | $8.6M |
| Total equity capital | $11.8M |
| Risk-weighted assets | $55.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.99% |
| Tangible equity to tangible assets | 11.99% |
| Equity capital to average assets | 16.36% |
| Internal capital growth rate | 8.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $10.8M |
| Retained earnings | $1.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.15% | 13.15% | 14.30% | 9.40% | $43.4M |
| Q4 2023 | 12.61% | 12.61% | 13.74% | 9.23% | $44.3M |
| Q1 2024 | 12.62% | 12.62% | 13.79% | 8.88% | $42.9M |
| Q2 2024 | 12.67% | 12.67% | 13.83% | 8.91% | $43.0M |
| Q3 2024 | 13.00% | 13.00% | 14.16% | 9.36% | $43.1M |
| Q4 2024 | 12.40% | 12.40% | 13.57% | 8.52% | $42.9M |
| Q1 2025 | 15.91% | 15.91% | 17.08% | 10.25% | $43.0M |
| Q2 2025 | 15.22% | 15.22% | 15.25% | 10.26% | $45.7M |
| Q3 2025 | 16.23% | 16.23% | 16.35% | 11.16% | $48.6M |
| Q4 2025 | 16.37% | 16.37% | 16.58% | 11.42% | $49.1M |
| Q1 2026 | 16.04% | 16.04% | 16.32% | 11.74% | $51.1M |
| Q2 2026 | 15.19% | 15.19% | 15.52% | 12.29% | $55.7M |
Riverside Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Riverside Bank, freeSource: Call Report Schedule RC-R, 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 Riverside Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 93) · FFIEC NIC profile (RSSD 977045)