Riverside Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Net interest margin: 0.46 percentage points higher than in Q1 2026, at 5.27%. Among 78 Arkansas banks, Riverside Bank sits 4th from the top on net interest margin, 5.27% as of Q2 2026. The median for banks in the < $100M asset tier is 3.88% on net interest margin. Riverside Bank sits 1.39 points higher, at 5.27% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 8.06% |
| Yield on loans | 8.28% |
| Yield on securities | 6.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.05% |
| Cost of interest-bearing deposits | 3.37% |
| Cost of interest-bearing liabilities | 3.35% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.27% |
| Yield to cost spread | 4.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $434K |
| Interest expense on deposits | $415K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.32% | 2.75% | 3.91% | 6.54% | 4.45% |
| Q4 2023 | 7.10% | 3.05% | 4.26% | 7.30% | 4.71% |
| Q1 2024 | 6.95% | 3.21% | 4.06% | 7.14% | 4.51% |
| Q2 2024 | 6.96% | 3.40% | 3.90% | 7.15% | 4.32% |
| Q3 2024 | 7.39% | 3.48% | 4.29% | 7.60% | 4.60% |
| Q4 2024 | 7.27% | 3.49% | 4.17% | 7.61% | 3.95% |
| Q1 2025 | 7.47% | 3.78% | 4.20% | 8.31% | 6.72% |
| Q2 2025 | 7.91% | 3.59% | 4.62% | 8.77% | 6.79% |
| Q3 2025 | 7.92% | 3.30% | 4.78% | 8.61% | 6.72% |
| Q4 2025 | 7.71% | 3.31% | 4.67% | 8.18% | 6.17% |
| Q1 2026 | 7.49% | 2.87% | 4.81% | 8.02% | 6.78% |
| Q2 2026 | 8.06% | 3.05% | 5.27% | 8.28% | 6.74% |
Riverside Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Riverside Bank, freeSource: Call Report Schedules RI and RC-K, 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)