Riverstone Bank
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Data as of · sourced from FFIEC call reports. How we update
Riverstone Bank is an FDIC-insured commercial bank headquartered in Eagle, NE, established in 1884 (FDIC certificate 10641), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $593.4M, up 9.4% from Q2 2025, the 33rd largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.74% 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
- 10641
- Headquarters
- Eagle, NE
- Established
- 1884
- Total assets, Q2 2026
- $593.4M
- Assets vs Q2 2025
- +9.4%
- Tier 1 leverage ratio, Q2 2026
- 9.74%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 104908859
- Holding company
- TRI VALLEY BANCSHARES, INC.
- Asset rank in state
- 33rd of 138 in Nebraska
Riverstone Bank leans heavily on commercial real estate. Based in Eagle, Nebraska, it had $593 million in assets at June 30, 2026, up 9.4% from a year earlier. It holds commercial real estate loans worth 3.3 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it returns 20.4% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Net income for the quarter rose 21% from a year earlier, to $2.9 million. Over the same year, loans grew 15.0% and deposits grew 6.5%.
As of June 30, 2026, Riverstone Bank reported a return on assets of 1.98%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.38%. The figures come from its call report filed with the FFIEC.
Riverstone Bank ranks as the 33rd largest of the 138 banks based in Nebraska, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.1% to $593.4M, loans rose 0.7% and deposits rose 4.0%. Non-owner-occupied commercial real estate loans made up 26.0% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 14.9%. Its 9 offices in the FDIC Summary of Deposits are in 7 cities across 2 states; its Cheyenne 2 offices book 61% of its branch deposits. On its Q2 2026 call report, Riverstone Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 600 S 4th St, Eagle, NE 68347
- County
- Cass
- Metro Area
- Omaha, NE-IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- September 1, 1884
- Former names
- Tri Valley Bank (2007-2021)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 78
- Domestic deposits
- $506.0M
- Allowance for credit losses
- $6.3M
- Net charge-offs (YTD)
- $23K
- Average total assets
- $575.6M
- Average total loans
- $513.7M
- Average interest-bearing deposits
- $384.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10641
- Fed RSSD
- 388557
- Website
- WWW.BANKRIVSERSTONE.COM →
- Parent Holding Company
- TRI VALLEY BANCSHARES, INC. (RSSD 3952940)
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, Riverstone Bank 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, Riverstone Bank's total assets ran between $497.7M (Q3 2023) and $593.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$593.4M total assets against $542.4M; $537.0M total liabilities against $489.7M.
$507.9M net loans and leases against $441.1M; $506.0M total deposits against $475.0M.
$5.0M securities against $16.4M; $56.9M cash and balances due against $62.3M.
$8.9M total interest income against $8.0M; $2.8M total interest expense against $2.6M.
$6.1M net interest income against $5.4M.
$412K total noninterest income against $302K; $3.7M total noninterest expense against $3.3M.
$79K provision for credit losses against $79K.
$2.9M net income against $2.4M.
1.98% return on assets against 1.76%; 4.32% net interest margin against 4.15%.
9.74% tier 1 leverage ratio against 9.81%.
Inside the full Riverstone Bank 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
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).
Riverstone Bank rankings
Its closest position to the top of a national ranking is 506 of 3,611, for ROA; its furthest is 3,039 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.34% (Q3 2024) to 1.98% (Q2 2026) and its net interest margin ran from 3.46% (Q3 2024) to 4.50% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.74% | 1.98% | 0.05% | 0.38% | 4.32% |
| Q1 2026 | 9.82% | 1.98% | 0.09% | 0.78% | 4.31% |
| Q4 2025 | 10.07% | 1.90% | 0.01% | 0.06% | 4.50% |
| Q3 2025 | 9.78% | 1.87% | 0.01% | 0.07% | 4.09% |
| Q2 2025 | 9.81% | 1.76% | 0.01% | 0.07% | 4.15% |
| Q1 2025 | 10.28% | 1.72% | 0.11% | 0.88% | 4.18% |
| Q4 2024 | 10.07% | 1.59% | 0.01% | 0.08% | 4.01% |
| Q3 2024 | 9.89% | 1.34% | 0.02% | 0.16% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| Cheyenne Downtown Branch | Cheyenne , WY | 82001 | $268.3M |
| Cheyenne East Branch | Cheyenne , WY | 82001 | $39.3M |
| Riverstone Bank (main office) | Eagle , NE | 68347 | $38.5M |
| Talmage Branch | Eagle , NE | 68347 | $36.0M |
| Laramie Branch | Laramie , WY | 82070 | $32.5M |
| Lincoln Branch | Lincoln , NE | 68512 | $28.5M |
| Syracuse Branch | Syracuse , NE | 68446 | $28.4M |
| Scottbluff Branch | Scottsbluff , NE | 69361 | $26.9M |
| Tenth Street Branch | Gering , NE | 69341 | $7.6M |
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 |
|---|---|---|---|
| November 6, 2021 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 5, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2020 | Structure Change | Acquired Eagle State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NE, rank 86 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $1.6M approved, $802K 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 Riverstone Bank
What are Riverstone Bank's total assets?
As of the Q2 2026 filing, Riverstone Bank reported total assets of $593.4 million in its FFIEC call report.
Where is Riverstone Bank headquartered?
It is headquartered in Eagle, NE, United States.
When was Riverstone Bank founded?
It was established in 1884, per the FDIC institution directory.
Is Riverstone Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10641). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Riverstone Bank?
Riverstone Bank's primary federal regulator is the FDIC.
How many branches does Riverstone Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Riverstone Bank's Texas Ratio?
Its Texas Ratio is 0.38% 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.
What was Riverstone Bank previously called?
The charter now named Riverstone Bank has also operated as Tri Valley Bank (2007-2021), per FDIC structure-change records.
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