Riverwind Bank
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Data as of · sourced from FFIEC call reports. How we update
Riverwind Bank is an FDIC-insured commercial bank headquartered in Augusta, AR, established in 1935 (FDIC certificate 15035), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $167.8M, up 14.0% from Q2 2025, the 68th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.09% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 15035
- Headquarters
- Augusta, AR
- Established
- 1935
- Total assets, Q2 2026
- $167.8M
- Assets vs Q2 2025
- +14.0%
- Tier 1 leverage ratio, Q2 2026
- 9.09%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 084107181
- Holding company
- RIVERWIND BANCSHARES, INC.
- Asset rank in state
- 68th of 78 in Arkansas
Riverwind Bank, based in Augusta, Arkansas, reported $168 million in assets at June 30, 2026, up 14.0% from a year earlier. It grew deposits 13.5% over the year, about triple the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 9.09% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $352,000, 49% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.5 million equal 42% of Tier 1 capital, down from 57% a year earlier. Profitability lags: it earns about $0.82 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Riverwind Bank reported a return on assets of 0.82%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 1.49%. The figures come from its call report filed with the FFIEC.
Riverwind Bank ranks as the 68th largest of the 78 banks based in Arkansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.6% to $167.8M, loans rose 2.5% and deposits rose 0.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 36.9% of total loans, followed by construction and land development loans at 14.7%. Its 4 offices in the FDIC Summary of Deposits are in Augusta, AR, Searcy, AR and Beebe, AR; its Augusta office books 61% of its branch deposits. Judged on its Q2 2026 call report, Riverwind Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 S 2nd St, Augusta, AR 72006
- County
- Woodruff
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 4, 1935
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $153.0M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $171.2M
- Average total loans
- $108.8M
- Average interest-bearing deposits
- $121.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 4, 1935
- FDIC Cert
- 15035
- Fed RSSD
- 855143
- Website
- riverwindbank.com →
- Parent Holding Company
- RIVERWIND BANCSHARES, INC. (RSSD 5886094)
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, Riverwind Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Riverwind Bank's total assets moved between a low of $131.9M (Q4 2023) and a high of $168.4M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$167.8M total assets against $147.2M; $157.2M total liabilities against $138.8M.
$109.1M net loans and leases against $98.9M; $153.0M total deposits against $134.9M.
$32.5M securities against $32.7M; $16.0M cash and balances due against $5.3M.
$2.4M total interest income against $2.0M; $842K total interest expense against $744K.
$1.5M net interest income against $1.3M.
$162K total noninterest income against $160K; $1.2M total noninterest expense against $1.1M.
$50K provision for credit losses against $10K.
$352K net income against $236K.
0.82% return on assets against 0.64%; 3.86% net interest margin against 3.92%.
9.09% tier 1 leverage ratio against 9.80%.
Inside the full Riverwind 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Riverwind Bank rankings
Its closest position to the top of a national ranking is 2,473 of 3,640, for Texas Ratio; its furthest is 2,856 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.55% (Q3 2024) to 0.95% (Q4 2025) and its net interest margin ran from 3.67% (Q3 2024) to 3.92% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.09% | 0.82% | 0.16% | 1.49% | 3.86% |
| Q1 2026 | 9.10% | 0.77% | 0.18% | 1.69% | 3.73% |
| Q4 2025 | 8.89% | 0.95% | 0.24% | 2.24% | 3.75% |
| Q3 2025 | 9.39% | 0.59% | 0.64% | 6.14% | 3.70% |
| Q2 2025 | 9.80% | 0.64% | 0.14% | 1.47% | 3.92% |
| Q1 2025 | 9.52% | 0.60% | 0.20% | 2.08% | 3.69% |
| Q4 2024 | 9.78% | 0.57% | 0.41% | 4.30% | 3.73% |
| Q3 2024 | 9.72% | 0.55% | 0.37% | 3.42% | 3.67% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Riverwind Bank (main office) | Augusta , AR | 72006 | $93.0M |
| Beebe - Asu Branch | Beebe , AR | 72012 | $28.2M |
| Searcy Branch | Searcy , AR | 72143 | $20.3M |
| Searcy Branch | Searcy , AR | 72143 | $11.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in AR, rank 80 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $322K approved, $161K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (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 Riverwind Bank
What are Riverwind Bank's total assets?
As of the Q2 2026 filing, Riverwind Bank reported total assets of $167.8 million in its FFIEC call report.
Where is Riverwind Bank headquartered?
It is headquartered in Augusta, AR, United States.
When was Riverwind Bank founded?
It was established in 1935, per the FDIC institution directory.
Is Riverwind Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15035). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Riverwind Bank?
Riverwind Bank's primary federal regulator is the Federal Reserve.
How many branches does Riverwind Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Riverwind Bank's Texas Ratio?
Its Texas Ratio is 1.49% 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.
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