Riverside Savings Bank, SSB
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Data as of · sourced from FFIEC call reports. How we update
Riverside Savings Bank, SSB is an FDIC-insured savings bank headquartered in Roanoke Rapids, NC, established in 1914 (FDIC certificate 28314), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $94.5M, up 2.1% from Q2 2025, the 32nd largest of 38 banks headquartered in North Carolina. It reports no CET1 ratio; its Tier 1 leverage ratio was 18.78% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28314
- Headquarters
- Roanoke Rapids, NC
- Established
- 1914
- Total assets, Q2 2026
- $94.5M
- Assets vs Q2 2025
- +2.1%
- Tier 1 leverage ratio, Q2 2026
- 18.78%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 253171197
- Latest call report
- Q2 2026, FFIEC 051 · Riverside Savings Bank, SSB call report
- Asset rank in state
- 32nd of 38 in North Carolina
Riverside Savings Bank, SSB, based in Roanoke Rapids, North Carolina, reported $95 million in assets at June 30, 2026, up 2.1% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). On the other hand, it holds commercial real estate loans worth 1.2 times its capital, 4.7 times the median of 26% for banks its size.
Earnings jumped: net income for the quarter was $112,000, 35% above the same quarter a year earlier. Over the same year, loans grew 6.7% and deposits grew 1.1%. Funding is the softer spot: it pays an average of 2.41% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
As of June 30, 2026, Riverside Savings Bank, SSB reported a return on assets of 0.47%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 38 banks headquartered in North Carolina, Riverside Savings Bank, SSB is the 32nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.1% to $94.5M, loans fell 0.3% and deposits fell 0.4%. 1-4 family residential loans made up 57.1% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 21.8%. Its one office in the FDIC Summary of Deposits is in Roanoke Rapids, NC. On its Q2 2026 call report, Riverside Savings Bank, SSB meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 325 Becker Dr, Roanoke Rapids, NC 27870
- County
- Halifax
- Metro Area
- Roanoke Rapids, NC
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1914
- Former names
- Roanoke Rapids Savings Bank, SSB (1992-2022)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $72.5M
- Allowance for credit losses
- $406K
- Net charge-offs (YTD)
- $0
- Average total assets
- $95.0M
- Average total loans
- $59.2M
- Average interest-bearing deposits
- $70.4M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28314
- Fed RSSD
- 247476
- Website
- www.riversidesavings.com →
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 Savings Bank, SSB reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Riverside Savings Bank, SSB's total assets ranged from $92.6M (Q2 2025) to $97.4M (Q3 2023), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$94.5M total assets against $92.6M; $78.3M total liabilities against $77.5M.
$58.9M net loans and leases against $55.2M; $72.5M total deposits against $71.7M.
$23.0M securities against $23.6M; $3.1M cash and balances due against $3.9M.
$1.1M total interest income against $1.1M; $442K total interest expense against $464K.
$697K net interest income against $623K.
$70K total noninterest income against $129K; $647K total noninterest expense against $627K.
-$12K provision for credit losses against $15K.
$112K net income against $83K.
0.47% return on assets against 0.36%; 3.25% net interest margin against 2.96%.
18.78% tier 1 leverage ratio against 18.84%.
Inside the full Riverside Savings Bank, SSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.24% (Q3 2024) to 0.47% (Q2 2026) and its net interest margin ran from 2.80% (Q3 2024) to 3.25% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.78% | 0.47% | 0.00% | 0.00% | 3.25% |
| Q1 2026 | 18.79% | 0.45% | 0.00% | 0.00% | 3.16% |
| Q4 2025 | 18.79% | 0.17% | 0.12% | 0.47% | 2.99% |
| Q3 2025 | 18.95% | 0.22% | 0.01% | 0.05% | 2.95% |
| Q2 2025 | 18.84% | 0.36% | 0.04% | 0.16% | 2.96% |
| Q1 2025 | 18.79% | 0.19% | 0.11% | 0.42% | 2.90% |
| Q4 2024 | 18.61% | 0.21% | 0.01% | 0.05% | 2.87% |
| Q3 2024 | 17.92% | -1.24% | 0.13% | 0.46% | 2.80% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Riverside Savings Bank, SSB (main office) | Roanoke Rapids , NC | 27870 | $72.5M |
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 |
|---|---|---|---|
| October 20, 2018 | Structure Change | Acquired Roanoke Valley Savings Bank, SSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 19, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NC, rank 63 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Savings Bank, SSB
What are Riverside Savings Bank, SSB's total assets?
As of the Q2 2026 filing, Riverside Savings Bank, SSB reported total assets of $94.5 million in its FFIEC call report.
Where is Riverside Savings Bank, SSB headquartered?
It is headquartered in Roanoke Rapids, NC, United States.
When was Riverside Savings Bank, SSB founded?
It was established in 1914, per the FDIC institution directory.
Is Riverside Savings Bank, SSB FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28314). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Riverside Savings Bank, SSB?
Riverside Savings Bank, SSB's primary federal regulator is the FDIC.
How many branches does Riverside Savings Bank, SSB operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Riverside Savings Bank, SSB's Texas Ratio?
Its Texas Ratio is 0.00% 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.
What was Riverside Savings Bank, SSB previously called?
The charter now named Riverside Savings Bank, SSB has also operated as Roanoke Rapids Savings Bank, SSB (1992-2022), per FDIC structure-change records.
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