Riverside 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 Reserve coverage of non-performing loans: 15.71 percentage points higher than in Q1 2026, at 65.02%. Within Arkansas, Riverside Bank is 36th of 78 on return on assets, 1.40% as of Q2 2026. The median for banks in the < $100M asset tier is 1.00% on return on assets. Riverside Bank sits 0.40 points higher, at 1.40% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.19% |
| Tier 1 risk-based capital ratio | 15.19% |
| Total risk-based capital ratio | 15.52% |
| Tier 1 leverage ratio | 12.29% |
| Equity capital to assets | 15.99% |
| Tangible equity to tangible assets | 11.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.45% |
| Non-performing assets ratio | 0.38% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.29% |
| Allowance for credit losses to loans | 0.29% |
| Reserve coverage of non-performing loans | 65.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.40% |
| Return on equity | 8.66% |
| Net interest margin | 5.27% |
| Efficiency ratio | 61.45% |
| Yield on earning assets | 8.06% |
| Cost of funds | 3.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.48% |
| Core deposits to total deposits | 89.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 76.64% |
| Securities to assets | 1.58% |
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 | 13.15% | 13.15% | 14.30% | 9.40% | 1.51% |
| Q4 2023 | 12.61% | 12.61% | 13.74% | 9.23% | 1.54% |
| Q1 2024 | 12.62% | 12.62% | 13.79% | 8.88% | 1.44% |
| Q2 2024 | 12.67% | 12.67% | 13.83% | 8.91% | 1.47% |
| Q3 2024 | 13.00% | 13.00% | 14.16% | 9.36% | 1.65% |
| Q4 2024 | 12.40% | 12.40% | 13.57% | 8.52% | 1.36% |
| Q1 2025 | 15.91% | 15.91% | 17.08% | 10.25% | 0.78% |
| Q2 2025 | 15.22% | 15.22% | 15.25% | 10.26% | 0.96% |
| Q3 2025 | 16.23% | 16.23% | 16.35% | 11.16% | 0.92% |
| Q4 2025 | 16.37% | 16.37% | 16.58% | 11.42% | 0.77% |
| Q1 2026 | 16.04% | 16.04% | 16.32% | 11.74% | 0.81% |
| Q2 2026 | 15.19% | 15.19% | 15.52% | 12.29% | 1.40% |
Riverside Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Riverside 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 Riverside Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 93) · FFIEC NIC profile (RSSD 977045)