BlastPoint's Banking Scorecard
River Bank
Designations: ✓ Community bank
Stoddard, WI
13 branches across WI
River Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 31.4% in tier
- + Efficiency Ratio 13.28% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 21.03% above tier average
- - Non-Interest Income / Assets 0.23% below tier average
- - ROA 0.51% below tier average
- - Net Interest Margin 0.98% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+3.8% YoY
+0.7% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 5.5% in tier |
| Total Loans ? |
$836.7M
+3.0% YoY
+0.2% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
18% |
| Total Deposits ? |
$795.0M
+5.8% YoY
+1.6% QoQ
|
-$1.5B |
$2.3B
-0.3% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 2.1% in tier |
| Return on Assets ? |
0.85%
+13.8% YoY
-17.9% QoQ
|
-0.51% |
1.37%
+19.6% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
23% |
| Net Interest Margin ? |
2.84%
+37.3% YoY
+18.8% QoQ
|
-0.98% |
3.82%
+6.9% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.8% in tier |
| Efficiency Ratio ? |
47.78%
-25.6% YoY
-16.5% QoQ
|
-13.28% |
61.06%
-4.6% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
84% |
| Delinquency Rate ? |
0.21%
-26.0% YoY
-23.3% QoQ
|
-0.68% |
0.89%
+14.1% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
105.24%
-2.6% YoY
-1.4% QoQ
|
+21.03% |
84.20%
+0.3% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 7.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.06%
+8.6% YoY
-3.5% QoQ
|
-8.23% |
21.29%
-2.5% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.17%
-26.6% YoY
-23.7% QoQ
|
-0.51% |
0.67%
+15.6% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
77% |
| Tier 1 Capital Ratio ? |
14.31%
+3.5% YoY
+1.0% QoQ
|
-0.85% |
15.16%
+2.0% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.03%
-0.1% YoY
-74.7% QoQ
|
-0.23% |
0.26%
+1.6% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
Bottom 4.0% in tier |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.