BlastPoint's Banking Scorecard

RVR Bank

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

Fremont, NE

6 branches across NE

2664 banks in the $100M-$1B peer group nationally 82 in NE

RVR Bank has 5 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

+ Revenue Diversifier: Top 43.8% in tier
+ ROA 0.54% above tier average
+ Net Interest Margin 0.49% above tier average
+ Efficiency Ratio 4.87% below tier average
+ Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 26.9% in tier
- NIB Deposit Bleed: Bottom 51.5% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$554.3M +4.3% YoY -0.5% QoQ	+$168.2M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	77%
Total Loans ?	$415.9M +6.1% YoY -1.8% QoQ	+$160.2M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$493.4M +3.8% YoY -0.4% QoQ	+$165.4M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	79%
Return on Assets ?	1.81% +18.8% YoY +4.1% QoQ	+0.54%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	82%
Net Interest Margin ?	4.42% +8.0% YoY +1.7% QoQ	+0.49%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	60.42% +0.5% YoY -0.6% QoQ	-4.87%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	59%
Delinquency Rate ?	0.20% -62.5% YoY +95.1% QoQ	-0.69%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	65%
Loan-to-Deposit Ratio ?	84.29% +2.3% YoY -1.5% QoQ	+7.65%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	37%
Non-Interest-Bearing Deposit Share ?	13.14% -17.7% YoY +6.2% QoQ	-8.88%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	18%
Nonperforming Asset Ratio ?	0.15% -61.8% YoY +92.6% QoQ	-0.49%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	65%
Tier 1 Capital Ratio ?	9.55% +1.1% YoY +0.1% QoQ	-6.28%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	Bottom 5.2% in tier
Non-Interest Income / Assets ?	0.20% +5.2% YoY -74.7% QoQ	-0.08%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	Top 14.9% in tier

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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)

Revenue Diversifier

growth

#293 of 666 • Top 43.8% 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: 0.20%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.81%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Capital Thin

risk

#180 of 666 • Bottom 26.9% 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: 9.55%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#103 of 198 • Bottom 51.5% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 13.14%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

399

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#399 of 2664 Top 14.9% in $100M-$1B

486

Return on Assets

profitability

Value: 1.81%

Peer Median: 1.27%

#486 of 2664 Top 18.2% in $100M-$1B

503

Total Loans

size

Value: $415.90M

Peer Median: $255.72M

#503 of 2664 Top 18.8% in $100M-$1B

565

Total Deposits

size

Value: $493.41M

Peer Median: $327.97M

#565 of 2664 Top 21.2% in $100M-$1B

568

Net Interest Margin

profitability

Value: 4.42%

Peer Median: 3.93%

#568 of 2664 Top 21.3% in $100M-$1B

620

Total Assets

size

Value: $554.27M

Peer Median: $386.08M

#620 of 2664 Top 23.2% in $100M-$1B

Top Weaknesses (2 metrics)

2527

Tier 1 Capital Ratio

capital

Value: 9.55%

Peer Median: 15.83%

#2527 of 2664 Bottom 5.2% in $100M-$1B

2189

Non-Interest-Bearing Deposit Share

funding

Value: 13.14%

Peer Median: 22.02%

#2189 of 2664 Bottom 17.9% in $100M-$1B