BlastPoint's Banking Scorecard
Riverwind Bank
Augusta, AR
4 branches across AR
Riverwind Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 37.4% in tier
- - ROA 0.50% below tier average
- - Net Interest Margin 0.24% below tier average
- - Efficiency Ratio 6.51% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$166.8M
+13.6% YoY
-1.0% QoQ
|
-$219.3M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$106.5M
+10.6% YoY
+3.4% QoQ
|
-$149.2M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$152.6M
+13.4% YoY
-1.0% QoQ
|
-$175.3M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
22% |
| Return on Assets ? |
0.77%
+25.8% YoY
+10.0% QoQ
|
-0.50% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
25% |
| Net Interest Margin ? |
3.69%
-2.9% YoY
-1.9% QoQ
|
-0.24% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
40% |
| Efficiency Ratio ? |
71.79%
-9.0% YoY
-6.5% QoQ
|
+6.51% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
29% |
| Delinquency Rate ? |
0.18%
-12.8% YoY
-28.0% QoQ
|
-0.71% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
69.78%
-2.5% YoY
+4.5% QoQ
|
-6.86% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
19.95%
-18.3% YoY
-5.4% QoQ
|
-2.07% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.11%
-15.1% YoY
-24.8% QoQ
|
-0.52% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
69% |
| Tier 1 Capital Ratio ? |
9.10%
-4.4% YoY
+2.4% QoQ
|
-6.73% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 1.4% in tier |
| Non-Interest Income / Assets ? |
0.11%
+2.0% YoY
-72.1% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
55% |
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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 (0)
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.