Riverside Savings Bank, SSB: 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: 1.99 percentage points higher than in Q1 2026, at 520.51%. Riverside Savings Bank, SSB ranks 27th of 38 North Carolina banks on return on assets, in the lower half at 0.47% (Q2 2026). Riverside Savings Bank, SSB's return on assets of 0.47% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 0.51 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.78% |
| Equity capital to assets | 17.21% |
| Tangible equity to tangible assets | 16.55% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.49% |
| Allowance for credit losses to loans | 0.68% |
| Reserve coverage of non-performing loans | 520.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.47% |
| Return on equity | 2.79% |
| Net interest margin | 3.25% |
| Efficiency ratio | 80.63% |
| Yield on earning assets | 5.25% |
| Cost of funds | 2.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.87% |
| Core deposits to total deposits | 89.92% |
| Brokered deposits to total deposits | 3.45% |
| Deposits to assets | 76.68% |
| Securities to assets | 24.33% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 19.67% | -0.12% | 2.31% | 0.19% | 0.00% |
| Q4 2023 | 17.90% | -6.57% | 2.19% | 0.20% | 0.00% |
| Q1 2024 | 18.30% | -0.00% | 2.57% | 0.34% | 0.00% |
| Q2 2024 | 18.31% | 0.14% | 2.78% | 0.18% | 0.00% |
| Q3 2024 | 17.92% | -1.24% | 2.80% | 0.29% | 0.00% |
| Q4 2024 | 18.61% | 0.21% | 2.87% | 0.17% | 0.00% |
| Q1 2025 | 18.79% | 0.19% | 2.90% | 0.28% | 0.00% |
| Q2 2025 | 18.84% | 0.36% | 2.96% | 0.20% | 0.01% |
| Q3 2025 | 18.95% | 0.22% | 2.95% | 0.15% | 0.06% |
| Q4 2025 | 18.79% | 0.17% | 2.99% | 0.14% | 0.01% |
| Q1 2026 | 18.79% | 0.45% | 3.16% | 0.14% | 0.00% |
| Q2 2026 | 18.78% | 0.47% | 3.25% | 0.13% | 0.00% |
Riverside Savings Bank, SSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Riverside Savings Bank, SSB, 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 Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28314) · FFIEC NIC profile (RSSD 247476)