Riverside Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Riverside Bank of Sparkman, AR against its peer group of 578 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 | 1.40% | 0.85% | +0.55% | 65th above |
| ROAE | 8.66% | 5.23% | +3.43% | 50th above |
| Net Interest Margin | 5.27% | 3.94% | +1.33% | 92nd top |
| Efficiency Ratio | 61.45% | 76.13% | -14.68% | 69th above |
| PPNR / Avg Assets | 1.97% | — | — | 78th top |
| Yield on Earning Assets | 8.06% | 5.42% | +2.64% | 99th top |
| Cost of Funds | 3.05% | 1.69% | +1.36% | 7th bottom |
| Net Interest Spread | 4.71% | — | — | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 1.23% | -1.19% | 69th above |
| NPA / Total Assets | 0.03% | — | — | 62nd above |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.29% | — | — | 1st bottom |
| ACL / NPLs (Coverage) | 736.00% | — | — | 85th top |
| Texas Ratio | 0.29% | 7.23% | -6.94% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.19% | 25.12% | -9.93% | 21st bottom |
| Tier 1 Ratio | 15.19% | 25.12% | -9.93% | 21st bottom |
| Total Capital Ratio | 15.52% | — | — | 17th bottom |
| Leverage Ratio | 12.29% | 14.13% | -1.84% | 41st below |
| Equity / Assets | 15.99% | 13.07% | +2.92% | 71st above |
| TCE / Tangible Assets | 11.99% | — | — | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 110.48% | 68.58% | +41.90% | 5th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.84% | 88.79% | +1.05% | 40th below |
| Wholesale Funding Ratio | 6.76% | — | — | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.05% | — | — | 55th above |
| Loan Growth (Y/Y) | 21.88% | — | — | 91st top |
| Deposit Growth (Y/Y) | -4.73% | — | — | 13th bottom |
See Riverside Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Riverside Bank, 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 Riverside Bank 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 Riverside Bank peer analysis.