Riverside Savings Bank, SSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Riverside Savings Bank, SSB of Roanoke Rapids, NC against its peer group of 536 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 | 0.47% | 3.33% | -2.86% | 25th below |
| ROAE | 2.79% | 8.29% | -5.50% | 22nd bottom |
| Net Interest Margin | 3.25% | 3.93% | -0.68% | 22nd bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 80.63% | 84.48% | -3.85% | 30th below |
| PPNR / Avg Assets | 0.51% | 1.56% | -1.05% | 20th bottom |
| Yield on Earning Assets | 5.25% | 5.24% | +0.01% | 51st above |
| Cost of Funds | 2.41% | 1.67% | +0.74% | 17th bottom |
| Net Interest Spread | 2.88% | 3.30% | -0.42% | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 1.42% | -1.29% | 56th above |
| NPA / Total Assets | 0.08% | 0.71% | -0.63% | 54th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 0.68% | 1.53% | -0.85% | 9th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 520.51% | 721.98% | -201.47% | 81st top |
| Texas Ratio | 0.49% | 8.57% | -8.08% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 18.78% | 22.09% | -3.31% | 78th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 17.21% | 20.73% | -3.52% | 74th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 16.55% | 20.48% | -3.93% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.87% | 74.25% | +7.62% | 28th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.92% | 88.30% | +1.62% | 41st below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.29% | 5.32% | -0.03% | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.14% | 3.82% | -1.68% | 47th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.75% | 6.85% | -0.10% | 68th above |
| Deposit Growth (Y/Y) | 1.05% | 2.98% | -1.93% | 44th below |
See Riverside Savings Bank, SSB's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Riverside Savings Bank, SSB, 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 Savings Bank, SSB profile, how to read a UBPR, or how this data updates.