BlastPoint's Banking Scorecard

Riverside Savings Bank, SSB

under $100M Specialty: Commercial NC FDIC cert 28314

Designations: ✓ Community bank ✓ Mutual

Roanoke Rapids, NC

2 branches across NC

541 banks in the under $100M peer group nationally 7 in NC

Riverside Savings Bank, SSB has 3 strengths but faces 3 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

+ Delinquency Rate 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ Efficiency Ratio 7.54% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 19.41% below tier average
- ROA 0.39% below tier average
- Net Interest Margin 0.67% below tier average

Get updates when Riverside Savings Bank, SSB releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Total Assets ?	$94.5M +0.8% YoY +0.3% QoQ	+$32.3M	$62.2M -0.6% YoY	$92.4B +2.4% YoY	$6.2B +9.1% YoY	Top 7.2% in tier
Total Loans ?	$59.1M +8.4% YoY +1.6% QoQ	+$24.9M	$34.2M -1.4% YoY	$45.0B +8.2% YoY	$3.2B +10.8% YoY	Top 12.6% in tier
Total Deposits ?	$72.8M +0.3% YoY +2.3% QoQ	+$21.0M	$51.7M -0.7% YoY	$72.8B +2.6% YoY	$4.8B +8.2% YoY	78%
Return on Assets ?	0.45% +130.6% YoY +90.3% QoQ	-0.39%	0.84% -2.3% YoY	0.99% +29.5% YoY	1.23% +13.4% YoY	28%
Net Interest Margin ?	3.19% +9.3% YoY +5.7% QoQ	-0.67%	3.86% +2.8% YoY	3.42% +5.0% YoY	3.89% +5.7% YoY	20%
Efficiency Ratio ?	80.80% -13.5% YoY -8.2% QoQ	-7.54%	88.34% +0.3% YoY	69.88% -8.6% YoY	66.95% -4.1% YoY	33%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-1.37%	1.37% +33.8% YoY	0.64% +21.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	81.24% +8.1% YoY -0.7% QoQ	+17.03%	64.22% -0.7% YoY	79.67% +1.0% YoY	76.70% +0.9% YoY	25%
Non-Interest-Bearing Deposit Share ?	4.31% -1.4% YoY -12.5% QoQ	-19.41%	23.71% +0.3% YoY	18.50% +0.3% YoY	22.01% -1.2% YoY	Bottom 9.6% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.79%	0.79% +28.2% YoY	0.45% +20.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	18.79% -0.0% YoY +0.0% QoQ	-7.89%	26.68% +2.0% YoY	20.13% +3.0% YoY	17.06% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.11% +30.1% YoY -72.2% QoQ	-0.56%	0.67% +1.9% YoY	0.21% +7.3% YoY	0.32% +4.1% YoY	74%

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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 (0)

No matched strength signatures this quarter

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 541 peers in under $100M

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Total Assets

size

Value: $94.45M

Peer Median: $62.16M

#40 of 541 Top 7.2% in under $100M

Total Loans

size

Value: $59.12M

Peer Median: $34.25M

#69 of 541 Top 12.6% in under $100M

119

Total Deposits

size

Value: $72.77M

Peer Median: $51.74M

#119 of 541 Top 21.8% in under $100M

Top Weaknesses (2 metrics)

490

Non-Interest-Bearing Deposit Share

funding

Value: 4.31%

Peer Median: 23.71%

#490 of 541 Bottom 9.6% in under $100M

432

Net Interest Margin

profitability

Value: 3.19%

Peer Median: 3.86%

#432 of 541 Bottom 20.3% in under $100M