Riverside Bank of Dublin
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Data as of · sourced from FFIEC call reports. How we update
Riverside Bank of Dublin is an FDIC-insured commercial bank headquartered in Dublin, OH, established in 2021 (FDIC certificate 59199), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $269.0M, up 14.1% from Q2 2025. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.14% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59199
- Headquarters
- Dublin, OH
- Established
- 2021
- Total assets, Q2 2026
- $269.0M
- Assets vs Q2 2025
- +14.1%
- Tier 1 leverage ratio, Q2 2026
- 9.14%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 044015954
- Latest call report
- Q2 2026, FFIEC 051 · Riverside Bank of Dublin call report
Problem loans are rising at Riverside Bank of Dublin. It reported $269 million in assets at June 30, 2026, up 14.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.38% of loans from 0.00% a year earlier. It earns about $0.24 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 89 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Delinquency has appeared in its $29 million commercial and industrial book: 3.08% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans are outrunning deposits: over the year loans rose 20.7% and deposits rose 15.4%. Funding is the softer spot: it pays an average of 3.37% on its deposits and borrowings, about double the median of 1.80% for banks its size.
As of June 30, 2026, Riverside Bank of Dublin reported a return on assets of 0.24%, a nonperforming-loan ratio of 0.38% and a Texas ratio of 3.38%. The figures come from its call report filed with the FFIEC.
From Q1 2026 to Q2 2026, its total assets fell 0.1% to $269.0M, loans fell 1.5% and deposits fell 0.1%. Non-owner-occupied commercial real estate loans made up 21.7% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 21.1%. Its 3 offices in the FDIC Summary of Deposits are in Dublin, OH. On its Q2 2026 call report, Riverside Bank of Dublin meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 555 Metro Pl N, Dublin, OH 43017
- County
- Franklin
- Metro Area
- Columbus, OH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 22, 2021
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $238.4M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $246K
- Average total assets
- $271.5M
- Average total loans
- $235.6M
- Average interest-bearing deposits
- $224.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 22, 2021
- FDIC Cert
- 59199
- Fed RSSD
- 5479478
- Website
- www.riverside.bank →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Riverside Bank of Dublin reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Riverside Bank of Dublin's total assets ran between $154.5M (Q3 2023) and $269.4M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$269.0M total assets against $235.8M; $244.2M total liabilities against $212.4M.
$232.3M net loans and leases against $192.4M; $238.4M total deposits against $206.6M.
$6.7M securities against $8.1M; $26.1M cash and balances due against $31.8M.
$4.1M total interest income against $3.5M; $2.0M total interest expense against $2.1M.
$2.1M net interest income against $1.5M.
$20K total noninterest income against $69K; $1.9M total noninterest expense against $1.3M.
$10K provision for credit losses against $55K.
$164K net income against $177K.
0.24% return on assets against 0.30%; 3.07% net interest margin against 2.47%.
9.14% tier 1 leverage ratio against 9.88%.
Inside the full Riverside Bank of Dublin 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.11% (Q3 2024) to 1.00% (Q4 2025) and its net interest margin ran from 2.07% (Q3 2024) to 3.07% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.14% | 0.24% | 0.38% | 3.38% | 3.07% |
| Q1 2026 | 9.34% | 0.43% | 0.38% | 3.41% | 2.91% |
| Q4 2025 | 9.91% | 1.00% | 0.17% | 1.42% | 3.04% |
| Q3 2025 | 10.13% | 0.36% | 0.00% | 0.00% | 2.92% |
| Q2 2025 | 9.88% | 0.30% | 0.00% | 0.00% | 2.47% |
| Q1 2025 | 10.26% | 0.30% | 0.00% | 0.00% | 2.26% |
| Q4 2024 | 10.67% | 0.23% | 0.00% | 0.00% | 2.27% |
| Q3 2024 | 11.37% | 0.11% | 0.01% | 0.08% | 2.07% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| 6300 Frantz Road Branch | Dublin , OH | 43017 | $237.4M |
| Bridge Park Office Branch | Dublin , OH | 43017 | $1.1M |
| Riverside Bank of Dublin (main office) | Dublin , OH | 43017 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 1, 2026 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 97 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 13 loans, $11.7M approved, $897K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 of Dublin
What are Riverside Bank of Dublin's total assets?
As of the Q2 2026 filing, Riverside Bank of Dublin reported total assets of $269.0 million in its FFIEC call report.
Where is Riverside Bank of Dublin headquartered?
It is headquartered in Dublin, OH, United States.
When was Riverside Bank of Dublin founded?
It was established in 2021, per the FDIC institution directory.
Is Riverside Bank of Dublin FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59199). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Riverside Bank of Dublin?
Riverside Bank of Dublin's primary federal regulator is the FDIC.
How many branches does Riverside Bank of Dublin operate?
It operates 3 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 of Dublin's Texas Ratio?
Its Texas Ratio is 3.38% 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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