BlastPoint's Banking Scorecard

River Bank

$1B-$10B Specialty: Commercial WI FDIC cert 14995

Designations: ✓ Community bank

Stoddard, WI

13 branches across WI

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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
Deposits +1.7% year over year ($755.7M on the books).
Delinquency rate 0.16%.
Return on assets 1.14%.
Efficiency ratio 47.90% vs a 59.73% peer average.
Loan-to-deposit ratio 111.32% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 30 in WI

View $1B-$10B leaderboard (WI) →

River Bank has 2 strengths but faces 4 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 43.9% in tier
+ Efficiency Ratio 11.83% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 26.29% above tier average
- Non-Interest Income / Assets 0.47% below tier average
- ROA 0.25% below tier average
- Net Interest Margin 0.96% below tier average

Get updates when River Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$1.0B +1.2% YoY -3.2% QoQ	-$1.8B	$2.8B -0.6% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	Bottom 1.5% in tier
Total Loans ?	$841.3M +1.9% YoY +0.6% QoQ	-$1.1B	$2.0B -0.3% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	17%
Total Deposits ?	$755.7M +1.7% YoY -4.9% QoQ	-$1.6B	$2.3B -0.5% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	Bottom 1.4% in tier
Return on Assets ?	1.14% +45.5% YoY +34.5% QoQ	-0.25%	1.39% +17.0% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	40%
Net Interest Margin ?	2.91% +33.7% YoY +2.5% QoQ	-0.96%	3.87% +6.2% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	Bottom 12.1% in tier
Efficiency Ratio ?	47.90% -20.7% YoY +0.2% QoQ	-11.83%	59.73% -12.6% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	82%
Delinquency Rate ?	0.16% -33.3% YoY -21.9% QoQ	-0.70%	0.87% +11.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	81%
Loan-to-Deposit Ratio ?	111.32% +0.2% YoY +5.8% QoQ	+26.29%	85.04% -0.1% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	Bottom 4.1% in tier
Non-Interest-Bearing Deposit Share ?	12.93% +11.5% YoY -1.0% QoQ	-8.34%	21.27% -1.5% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	19%
Nonperforming Asset Ratio ?	0.14% -32.8% YoY -18.9% QoQ	-0.54%	0.67% +11.7% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	81%
Tier 1 Capital Ratio ?	14.39% +4.4% YoY +0.5% QoQ	-0.45%	14.84% -0.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.06% +3.9% YoY +112.6% QoQ	-0.47%	0.53% +2.5% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	Bottom 4.0% in tier

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 (WI)	National Avg	Tier Percentile
Noninterest-Bearing	12.9% +1.3pp YoY -0.1pp QoQ	-8.4pp	21.4%	18.9%	22.2%	18%
Brokered Deposits	0.8% -1.3pp YoY 0.0pp QoQ	-8.6pp	9.5%	9.2%	8.5%	17%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	0.8% -0.1pp YoY 0.0pp QoQ	-13.2pp	14.0%	10.5%	12.5%	2%
CRE	84.2% +1.5pp YoY +0.4pp QoQ	+34.2pp	50.0%	46.4%	41.4%	97%
1-4 Family	11.4% +0.4pp YoY +0.9pp QoQ	-15.1pp	26.4%	32.3%	31.3%	21%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	2.6%	5.0%	6%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	14.4% +0.6pp YoY +0.1pp QoQ	-1.2pp	15.6%	15.5%	19.7%	64%
Leverage Ratio	12.0% +0.7pp YoY +0.4pp QoQ	+0.7pp	11.3%	12.6%	12.6%	76%
Total Capital Ratio	15.6% +0.6pp YoY +0.1pp QoQ	-1.1pp	16.7%	16.6%	20.8%	65%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	112 +9 (+8.7%) YoY +1 (+0.9%) QoQ	-202	313	134	482	11%
Assets per Employee ($)	$9.1M -6.9% YoY -4.1% QoQ	-$1.4M	$10.5M	$8.2M	$8.8M	55%
Branch Count	13 0 YoY 0 QoQ	-7	20	9	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.4%	0.4%	n/a
Nonaccrual	0.2% -0.1pp YoY 0.0pp QoQ	-0.7pp	0.8%	0.9%	1.0%	18%
Allowance Coverage	8.42x +68.6% YoY +30.4% QoQ	-10.29x	18.71x	56.89x	20.23x	86%
Net Charge-off Rate (YTD)	n/a	n/a	0.3%	0.0%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	9.7% +2.6pp YoY +2.3pp QoQ	-2.9pp	12.6%	11.8%	11.6%	30%
Cost of Funds (YTD)	2.1% -0.4pp YoY 0.0pp QoQ	+0.1pp	1.9%	1.8%	1.7%	62%
Net Income ($, YTD)	$5.9M +49.6% YoY — QoQ	-$13.3M	$19.2M	$7.9M	$40.4M	16%

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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

#98 of 221 • Top 43.9% in tier

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

Why this signature

Delinquency Rate: 0.16%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 885 peers in $1B-$10B

Top Strengths (3 metrics)

161

Efficiency Ratio

profitability

Value: 47.90%

Peer Median: 59.73%

#161 of 885 Top 18.1% in $1B-$10B

166

Delinquency Rate

credit_quality

Value: 0.16%

Peer Median: 0.87%

#166 of 882 Top 18.7% in $1B-$10B

173

Nonperforming Asset Ratio

credit_quality

Value: 0.14%

Peer Median: 0.67%

#173 of 885 Top 19.4% in $1B-$10B

Top Weaknesses (7 metrics)

874

Total Deposits

size

Value: $755.70M

Peer Median: $2.32B

#874 of 885 Bottom 1.4% in $1B-$10B

873

Total Assets

size

Value: $1.02B

Peer Median: $2.79B

#873 of 885 Bottom 1.5% in $1B-$10B

851

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.53%

#851 of 885 Bottom 4.0% in $1B-$10B

850

Loan-to-Deposit Ratio

liquidity

Value: 111.32%

Peer Median: 85.04%

#850 of 885 Bottom 4.1% in $1B-$10B

779

Net Interest Margin

profitability

Value: 2.91%

Peer Median: 3.87%

#779 of 885 Bottom 12.1% in $1B-$10B

732

Total Loans

size

Value: $841.26M

Peer Median: $1.96B

#732 of 885 Bottom 17.4% in $1B-$10B

721

Non-Interest-Bearing Deposit Share

funding

Value: 12.93%

Peer Median: 21.27%

#721 of 885 Bottom 18.6% in $1B-$10B