RVR Bank
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Data as of · sourced from FFIEC call reports. How we update
RVR Bank is an FDIC-insured commercial bank headquartered in Fremont, NE, established in 1956 (FDIC certificate 17639), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $570.2M, up 3.4% from Q2 2025, the 37th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.77% 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
- 17639
- Headquarters
- Fremont, NE
- Established
- 1956
- Total assets, Q2 2026
- $570.2M
- Assets vs Q2 2025
- +3.4%
- Tier 1 leverage ratio, Q2 2026
- 9.77%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 104900116
- Latest call report
- Q2 2026, FFIEC 051 · RVR Bank call report
- Holding company
- FIRST STATE FREMONT, INC.
- Asset rank in state
- 37th of 138 in Nebraska
RVR Bank is one of the more profitable banks of its size. Its balance sheet stood at $570 million at June 30, 2026, up 3.4% from a year earlier; it is based in Fremont, Nebraska. It earns about $2.23 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also keeps 4.63 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Net income for the quarter rose 21% from a year earlier, to $3.1 million. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, RVR Bank reported a return on assets of 2.23%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 1.20%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, RVR Bank is the 37th largest of the 138 banks headquartered in Nebraska. From Q1 2026 to Q2 2026, its total assets rose 2.9% to $570.2M, loans rose 3.5% and deposits rose 2.6%. 1-4 family residential loans made up 30.5% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 12.8%. The FDIC Summary of Deposits lists 6 offices for it, in Fremont, NE, Blair, NE and Arlington, NE; its Fremont 4 offices book 72% of its branch deposits. By the capital ratios in its Q2 2026 call report, RVR Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1005 E 23rd St, Fremont, NE 68025
- County
- Dodge
- Metro Area
- Fremont, NE
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 30, 1956
- Former names
- First State Bank & Trust Company (2001-2023); First State Bank (1974-2001)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 85
- Domestic deposits
- $506.5M
- Allowance for credit losses
- $7.1M
- Net charge-offs (YTD)
- $16K
- Average total assets
- $557.1M
- Average total loans
- $426.3M
- Average interest-bearing deposits
- $420.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 30, 1956
- FDIC Cert
- 17639
- Fed RSSD
- 1155
- Website
- www.rvr.bank →
- Parent Holding Company
- FIRST STATE FREMONT, INC. (RSSD 1247231)
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, RVR Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, RVR Bank's total assets ranged from $483.9M (Q3 2023) to $570.2M (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
$570.2M total assets against $551.4M; $510.6M total liabilities against $497.3M.
$430.7M net loans and leases against $415.8M; $506.5M total deposits against $494.0M.
$83.0M securities against $77.8M; $22.9M cash and balances due against $27.8M.
$7.9M total interest income against $7.5M; $2.0M total interest expense against $2.1M.
$5.9M net interest income against $5.4M.
$1.1M total noninterest income against $1.0M; $3.9M total noninterest expense against $3.8M.
$0 provision for credit losses against $0.
$3.1M net income against $2.6M.
2.23% return on assets against 1.92%; 4.63% net interest margin against 4.39%.
9.77% tier 1 leverage ratio against 9.53%.
Inside the full RVR 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.
RVR Bank rankings
Its closest position to the top of a national ranking is 292 of 3,611, for ROA; its furthest is 2,594 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.23% (Q4 2024) to 2.23% (Q2 2026) and its net interest margin ran from 4.08% (Q3 2024) to 4.63% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.77% | 2.23% | 0.16% | 1.20% | 4.63% |
| Q1 2026 | 9.55% | 1.81% | 0.19% | 1.47% | 4.43% |
| Q4 2025 | 9.55% | 1.53% | 0.10% | 0.76% | 4.48% |
| Q3 2025 | 9.41% | 1.98% | 0.06% | 0.51% | 4.44% |
| Q2 2025 | 9.53% | 1.92% | 0.20% | 1.62% | 4.39% |
| Q1 2025 | 9.45% | 1.53% | 0.52% | 4.02% | 4.10% |
| Q4 2024 | 9.43% | 1.23% | 0.21% | 1.70% | 4.11% |
| Q3 2024 | 9.49% | 1.63% | 0.13% | 0.97% | 4.08% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| RVR Bank (main office) | Fremont , NE | 68025 | $174.3M |
| Blair Branch | Blair , NE | 68008 | $102.5M |
| Parkview Office Branch | Fremont , NE | 68025 | $84.1M |
| Downtown Office Branch | Fremont , NE | 68025 | $66.7M |
| Arlington Branch | Arlington , NE | 68002 | $41.7M |
| Walmart Office Branch | Fremont , NE | 68025 | $37.1M |
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 |
|---|---|---|---|
| December 8, 2021 | Structure Change | Acquired Two Rivers Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 7, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in NE, rank 34 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 282 applications, 222 loans originated, $47.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 RVR Bank
What are RVR Bank's total assets?
As of the Q2 2026 filing, RVR Bank reported total assets of $570.2 million in its FFIEC call report.
Where is RVR Bank headquartered?
It is headquartered in Fremont, NE, United States.
When was RVR Bank founded?
It was established in 1956, per the FDIC institution directory.
Is RVR Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17639). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates RVR Bank?
RVR Bank's primary federal regulator is the FDIC.
How many branches does RVR Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is RVR Bank's Texas Ratio?
Its Texas Ratio is 1.20% 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 RVR Bank previously called?
The charter now named RVR Bank has also operated as First State Bank & Trust Company (2001-2023), First State Bank (1974-2001), per FDIC structure-change records.
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