BlastPoint's Banking Scorecard

Riverstone Bank

$100M-$1B Specialty: Commercial NE FDIC cert 10641

Eagle, NE

9 branches across NE · WY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
Deposits +6.5% year over year ($506.0M on the books).
Delinquency rate 0.05%.
Return on assets 1.95%.
Efficiency ratio 55.79% vs a 64.48% peer average.
Loan-to-deposit ratio 100.36% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE

View $100M-$1B leaderboard (NE) →

Riverstone Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 5.5% in tier
+ ROA 0.63% above tier average
+ Net Interest Margin 0.37% above tier average
+ Efficiency Ratio 8.69% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.7% in tier
- Loan-to-Deposit Ratio 22.41% above tier average

Get updates when Riverstone Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$593.4M +9.4% YoY +1.1% QoQ	+$206.9M	$386.6M +1.2% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	80%
Total Loans ?	$507.9M +15.1% YoY +0.7% QoQ	+$249.5M	$258.3M +1.7% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	Top 10.8% in tier
Total Deposits ?	$506.0M +6.5% YoY +4.0% QoQ	+$179.3M	$326.7M +0.7% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	81%
Return on Assets ?	1.95% +12.7% YoY +0.0% QoQ	+0.63%	1.32% +10.8% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	Top 14.3% in tier
Net Interest Margin ?	4.35% +2.6% YoY +0.1% QoQ	+0.37%	3.99% +5.0% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	73%
Efficiency Ratio ?	55.79% -3.7% YoY +1.5% QoQ	-8.69%	64.48% -3.2% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	70%
Delinquency Rate ?	0.05% +378.7% YoY -50.9% QoQ	-0.87%	0.92% +15.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	80%
Loan-to-Deposit Ratio ?	100.36% +8.1% YoY -3.2% QoQ	+22.41%	77.95% +1.0% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	Bottom 9.7% in tier
Non-Interest-Bearing Deposit Share ?	21.16% +1.6% YoY +3.0% QoQ	-0.87%	22.03% -0.6% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	51%
Nonperforming Asset Ratio ?	0.04% +403.7% YoY -51.1% QoQ	-0.63%	0.67% +16.4% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	80%
Tier 1 Capital Ratio ?	9.74% -0.6% YoY -0.8% QoQ	-6.17%	15.91% +1.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	Bottom 7.7% in tier
Non-Interest Income / Assets ?	0.17% +20.2% YoY +70.1% QoQ	-0.40%	0.57% +7.6% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	40%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Noninterest-Bearing	21.2% +0.3pp YoY +0.6pp QoQ	-1.0pp	22.1%	17.6%	22.2%	50%
Brokered Deposits	1.0% +1.0pp YoY -1.1pp QoQ	-6.9pp	7.9%	8.9%	8.5%	18%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	15.1% -0.9pp YoY +1.1pp QoQ	+3.6pp	11.6%	12.3%	12.5%	76%
CRE	52.3% +4.9pp YoY -0.4pp QoQ	+12.8pp	39.5%	32.3%	41.4%	74%
1-4 Family	13.9% -2.0pp YoY +0.4pp QoQ	-18.8pp	32.6%	16.9%	31.3%	17%
Consumer	1.1% -0.2pp YoY 0.0pp QoQ	-3.0pp	4.1%	3.1%	5.0%	30%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	16.1%	19.7%	n/a
Leverage Ratio	9.7% -0.1pp YoY -0.1pp QoQ	-2.4pp	12.2%	12.1%	12.6%	26%
Total Capital Ratio	n/a	n/a	19.9%	17.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	78 0 YoY +2 (+2.6%) QoQ	+19	58	98	482	76%
Assets per Employee ($)	$7.6M +9.4% YoY -1.4% QoQ	+$90K	$7.5M	$8.5M	$8.8M	62%
Branch Count	9 0 YoY 0 QoQ	+4	4	7	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	11%
Allowance Coverage	26.70x -80.9% YoY +104.5% QoQ	+2.55x	24.15x	31.69x	20.23x	90%
Net Charge-off Rate (YTD)	0.0% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	44%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	20.3% +2.9pp YoY +0.1pp QoQ	+8.1pp	12.2%	12.3%	11.6%	89%
Cost of Funds (YTD)	2.0% -0.1pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.9%	1.7%	69%
Net Income ($, YTD)	$5.6M +24.5% YoY — QoQ	+$3.1M	$2.6M	$6.1M	$40.4M	90%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#37 of 659 • Top 5.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ

Concerns (1)

Credit Quality Pressure

risk

#98 of 1256 • Bottom 7.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

287

Total Loans

size

Value: $507.85M

Peer Median: $258.35M

#287 of 2643 Top 10.8% in $100M-$1B

379

Return on Assets

profitability

Value: 1.95%

Peer Median: 1.32%

#379 of 2643 Top 14.3% in $100M-$1B

515

Total Deposits

size

Value: $506.01M

Peer Median: $326.73M

#515 of 2643 Top 19.4% in $100M-$1B

523

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.67%

#523 of 2643 Top 19.8% in $100M-$1B

533

Total Assets

size

Value: $593.44M

Peer Median: $386.57M

#533 of 2643 Top 20.1% in $100M-$1B

534

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.92%

#534 of 2633 Top 20.2% in $100M-$1B

Top Weaknesses (2 metrics)

2441

Tier 1 Capital Ratio

capital

Value: 9.74%

Peer Median: 15.91%

#2441 of 2643 Bottom 7.7% in $100M-$1B

2387

Loan-to-Deposit Ratio

liquidity

Value: 100.36%

Peer Median: 77.95%

#2387 of 2643 Bottom 9.7% in $100M-$1B