Riverstone Bank: 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.
Reserve coverage of non-performing loans climbed 552.16 percentage points in Q2 2026, from 933.28% to 1485.45%. It was the largest change from Q1 2026 among the key lines here. Riverstone Bank ranks 22nd of 138 Nebraska banks on return on assets, in the upper half at 1.98% (Q2 2026). Riverstone Bank's return on assets of 1.98% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.73 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 | 9.74% |
| Equity capital to assets | 9.51% |
| Tangible equity to tangible assets | 9.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.68% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 1485.45% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.98% |
| Return on equity | 20.40% |
| Net interest margin | 4.32% |
| Efficiency ratio | 56.54% |
| Yield on earning assets | 6.30% |
| Cost of funds | 2.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.61% |
| Core deposits to total deposits | 88.14% |
| Brokered deposits to total deposits | 0.99% |
| Deposits to assets | 85.27% |
| Securities to assets | 0.84% |
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 | 10.01% | 1.05% | 4.07% | 0.10% | -0.17% |
| Q4 2023 | 9.57% | 1.10% | 3.54% | 0.12% | -0.04% |
| Q1 2024 | 9.69% | 1.10% | 3.58% | 0.05% | -0.04% |
| Q2 2024 | 9.55% | 1.41% | 3.54% | 0.05% | -0.04% |
| Q3 2024 | 9.89% | 1.34% | 3.46% | 0.04% | -0.01% |
| Q4 2024 | 10.07% | 1.59% | 4.01% | 0.04% | -0.06% |
| Q1 2025 | 10.28% | 1.72% | 4.18% | 0.11% | -0.05% |
| Q2 2025 | 9.81% | 1.76% | 4.15% | 0.05% | -0.03% |
| Q3 2025 | 9.78% | 1.87% | 4.09% | 0.01% | -0.03% |
| Q4 2025 | 10.07% | 1.90% | 4.50% | 0.05% | -0.00% |
| Q1 2026 | 9.82% | 1.98% | 4.31% | 0.13% | 0.02% |
| Q2 2026 | 9.74% | 1.98% | 4.32% | 0.08% | 0.00% |
Riverstone Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Riverstone Bank, 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 Riverstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10641) · FFIEC NIC profile (RSSD 388557)