BlastPoint's Banking Scorecard

RVR Bank

$100M-$1B Specialty: Commercial NE FDIC cert 17639

Fremont, NE

6 branches across NE

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 +2.5% year over year ($506.5M on the books).
Delinquency rate 0.16%.
Return on assets 2.00%.
Efficiency ratio 57.64% vs a 64.48% peer average.
Loan-to-deposit ratio 85.04% 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) →

RVR Bank has 5 strengths but faces 1 concern

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

+ Profitability Leader: Top 38.7% in tier
+ Revenue Diversifier: Top 42.5% in tier
+ Net Interest Margin 0.49% above tier average
+ Efficiency Ratio 6.84% below tier average
+ Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 23.9% in tier

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$570.2M +3.4% YoY +2.9% QoQ	+$183.6M	$386.6M +1.2% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	78%
Total Loans ?	$430.7M +3.6% YoY +3.6% QoQ	+$172.3M	$258.3M +1.7% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	82%
Total Deposits ?	$506.5M +2.5% YoY +2.6% QoQ	+$179.7M	$326.7M +0.7% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	81%
Return on Assets ?	2.00% +17.4% YoY +10.9% QoQ	+0.68%	1.32% +10.8% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	Top 13.3% in tier
Net Interest Margin ?	4.48% +6.6% YoY +1.3% QoQ	+0.49%	3.99% +5.0% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	79%
Efficiency Ratio ?	57.64% -3.0% YoY -4.6% QoQ	-6.84%	64.48% -3.2% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	64%
Delinquency Rate ?	0.16% -20.8% YoY -18.4% QoQ	-0.76%	0.92% +15.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	69%
Loan-to-Deposit Ratio ?	85.04% +1.0% YoY +0.9% QoQ	+7.09%	77.95% +1.0% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	38%
Non-Interest-Bearing Deposit Share ?	15.47% +14.7% YoY +17.7% QoQ	-6.56%	22.03% -0.6% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	26%
Nonperforming Asset Ratio ?	0.12% -20.6% YoY -17.9% QoQ	-0.55%	0.67% +16.4% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	68%
Tier 1 Capital Ratio ?	9.77% +2.5% YoY +2.2% QoQ	-6.14%	15.91% +1.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	Bottom 7.8% in tier
Non-Interest Income / Assets ?	0.38% +5.9% YoY +97.1% QoQ	-0.18%	0.57% +7.6% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	84%

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	15.5% +2.0pp YoY +2.3pp QoQ	-6.7pp	22.1%	17.6%	22.2%	26%
Brokered Deposits	n/a	n/a	7.9%	8.9%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	13.0% -0.9pp YoY +1.2pp QoQ	+1.5pp	11.6%	12.3%	12.5%	68%
CRE	42.0% +0.9pp YoY -0.6pp QoQ	+2.4pp	39.5%	32.3%	41.4%	57%
1-4 Family	31.0% +0.5pp YoY -0.1pp QoQ	-1.6pp	32.6%	16.9%	31.3%	54%
Consumer	1.1% -0.1pp YoY 0.0pp QoQ	-3.0pp	4.1%	3.1%	5.0%	32%

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	9.8% +0.2pp YoY +0.2pp 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	85 +1 (+1.2%) YoY +3 (+3.7%) QoQ	+26	58	98	482	80%
Assets per Employee ($)	$6.7M +2.2% YoY -0.8% QoQ	-$811K	$7.5M	$8.5M	$8.8M	47%
Branch Count	6 0 YoY 0 QoQ	+1	4	7	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	25%
Nonaccrual	0.1% 0.0pp YoY -0.1pp QoQ	-0.8pp	0.9%	0.8%	1.0%	24%
Allowance Coverage	10.22x +24.4% YoY +18.3% QoQ	-13.93x	24.15x	31.69x	20.23x	82%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	42%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	19.2% +2.0pp YoY +1.9pp QoQ	+7.0pp	12.2%	12.3%	11.6%	86%
Cost of Funds (YTD)	1.6% -0.1pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.9%	1.7%	42%
Net Income ($, YTD)	$5.6M +23.0% 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 (2)

Profitability Leader

growth

#257 of 661 • Top 38.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.00%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Revenue Diversifier

growth

#282 of 661 • Top 42.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.38%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.00%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Capital Thin

risk

#159 of 661 • Bottom 23.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.77%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

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)

352

Return on Assets

profitability

Value: 2.00%

Peer Median: 1.32%

#352 of 2643 Top 13.3% in $100M-$1B

436

Non-Interest Income / Assets

revenue_mix

Value: 0.38%

Peer Median: 0.57%

#436 of 2643 Top 16.5% in $100M-$1B

472

Total Loans

size

Value: $430.69M

Peer Median: $258.35M

#472 of 2643 Top 17.8% in $100M-$1B

514

Total Deposits

size

Value: $506.46M

Peer Median: $326.73M

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

559

Net Interest Margin

profitability

Value: 4.48%

Peer Median: 3.99%

#559 of 2643 Top 21.1% in $100M-$1B

575

Total Assets

size

Value: $570.15M

Peer Median: $386.57M

#575 of 2643 Top 21.7% in $100M-$1B

Top Weaknesses (1 metrics)

2438

Tier 1 Capital Ratio

capital

Value: 9.77%

Peer Median: 15.91%

#2438 of 2643 Bottom 7.8% in $100M-$1B