Riverwind Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Riverwind Bank of Augusta, AR against its peer group of 2757 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 | 0.82% | 1.25% | -0.43% | 23rd bottom |
| ROAE | 13.71% | 12.22% | +1.49% | 58th above |
| Net Interest Margin | 3.86% | 3.95% | -0.09% | 45th below |
| Efficiency Ratio | 68.86% | 63.71% | +5.15% | 30th below |
| PPNR / Avg Assets | 1.18% | — | — | 27th below |
| Yield on Earning Assets | 5.97% | 5.67% | +0.30% | 67th above |
| Cost of Funds | 2.20% | 1.87% | +0.33% | 26th below |
| Net Interest Spread | 3.19% | — | — | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 0.88% | -0.72% | 68th above |
| NPA / Total Assets | 0.11% | — | — | 70th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 81st top |
| ACL / Total Loans | 1.25% | — | — | 56th above |
| ACL / NPLs (Coverage) | 772.07% | — | — | 78th top |
| Texas Ratio | 1.49% | 5.96% | -4.47% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.09% | 11.75% | -2.66% | 13th bottom |
| Equity / Assets | 6.33% | 10.98% | -4.65% | 3rd bottom |
| TCE / Tangible Assets | 6.33% | — | — | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.22% | 80.44% | -8.22% | 67th above |
| Core Deposit Ratio | 91.52% | 86.95% | +4.57% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.00% | — | — | 90th top |
| Loan Growth (Y/Y) | 10.40% | — | — | 74th above |
| Deposit Growth (Y/Y) | 13.47% | — | — | 89th top |
See Riverwind Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Riverwind Bank, 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 Riverwind Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Riverwind Bank peer analysis.