BlastPoint's Banking Scorecard
Riverside Savings Bank, SSB
Designations: ✓ Community bank ✓ Mutual
Roanoke Rapids, NC
2 branches across NC
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 536 banks in the under $100M peer group nationwide — 1 of 7 in NC.
- Deposits +1.1% year over year ($72.5M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.46%.
- Efficiency ratio 81.86% vs a 119.40% peer average.
- Loan-to-deposit ratio 81.31% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Riverside Savings Bank, SSB has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Efficiency Ratio 37.54% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 19.34% below tier average
- - ROA 0.54% below tier average
- - Net Interest Margin 0.67% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$94.5M
+2.1% YoY
+0.1% QoQ
|
+$32.1M |
$62.4M
-0.0% YoY
|
$92.1B
+0.4% YoY
|
$6.3B
+7.7% YoY
|
Top 7.6% in tier |
| Total Loans ? |
$58.9M
+6.7% YoY
-0.3% QoQ
|
+$24.1M |
$34.9M
-0.6% YoY
|
$45.3B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
Top 14.0% in tier |
| Total Deposits ? |
$72.5M
+1.1% YoY
-0.4% QoQ
|
+$20.9M |
$51.6M
-0.2% YoY
|
$72.9B
+1.1% YoY
|
$4.9B
+7.3% YoY
|
79% |
| Return on Assets ? |
0.46%
+67.0% YoY
+3.3% QoQ
|
-0.54% |
1.00%
+3.5% YoY
|
1.06%
+26.4% YoY
|
1.30%
+12.1% YoY
|
25% |
| Net Interest Margin ? |
3.25%
+9.2% YoY
+1.9% QoQ
|
-0.67% |
3.91%
+2.3% YoY
|
3.48%
+5.1% YoY
|
3.95%
+4.9% YoY
|
21% |
| Efficiency Ratio ? |
81.86%
-6.3% YoY
+1.3% QoQ
|
-37.54% |
119.40%
+49.6% YoY
|
69.25%
-8.2% YoY
|
70.05%
+2.5% YoY
|
28% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.48% |
1.48%
+31.8% YoY
|
0.62%
+17.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
81.31%
+5.6% YoY
+0.1% QoQ
|
+7.10% |
74.21%
+12.6% YoY
|
80.66%
+1.6% YoY
|
79.03%
+2.3% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
4.15%
-10.1% YoY
-3.7% QoQ
|
-19.34% |
23.49%
+0.6% YoY
|
18.90%
+1.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 9.5% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.84% |
0.84%
+23.0% YoY
|
0.44%
+14.6% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
18.78%
-0.3% YoY
-0.1% QoQ
|
-8.35% |
27.13%
+3.0% YoY
|
20.01%
+3.4% YoY
|
17.09%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.18%
-18.7% YoY
+69.1% QoQ
|
-1.20% |
1.38%
+6.3% YoY
|
0.43%
+2.6% YoY
|
0.66%
+5.2% YoY
|
66% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
4.1%
-0.5pp YoY -0.2pp QoQ |
-20.5pp | 24.6% | 21.8% | 22.2% | 5% |
| Brokered Deposits |
3.4%
-3.4pp YoY -0.7pp QoQ |
-6.3pp | 9.8% | 7.7% | 8.5% | 31% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.3%
-0.3pp YoY +0.3pp QoQ |
-12.1pp | 13.4% | 10.5% | 12.5% | 3% |
| CRE |
41.6%
-3.3pp YoY -0.4pp QoQ |
+16.4pp | 25.2% | 46.3% | 41.4% | 86% |
| 1-4 Family |
57.5%
+4.0pp YoY +0.1pp QoQ |
+22.5pp | 35.0% | 44.2% | 31.3% | 79% |
| Consumer |
0.6%
-0.3pp YoY 0.0pp QoQ |
-7.1pp | 7.7% | 1.6% | 5.0% | 7% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.8% | 19.7% | n/a |
| Leverage Ratio |
18.8%
-0.1pp YoY 0.0pp QoQ |
+1.1pp | 17.7% | 14.4% | 12.6% | 83% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
-1 (-7.1%) YoY -1 (-7.1%) QoQ |
+1 | 12 | 5,103 | 482 | 62% |
| Assets per Employee ($) |
$7.3M
+10.0% YoY +7.8% QoQ |
+$1.1M | $6.2M | $9.4M | $8.8M | 71% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 170 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.1% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 3.36x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.7%
+1.0pp YoY +0.1pp QoQ |
-3.7pp | 6.4% | 8.7% | 11.6% | 23% |
| Cost of Funds (YTD) |
2.1%
-0.1pp YoY 0.0pp QoQ |
+0.7pp | 1.4% | 1.8% | 1.7% | 86% |
| Net Income ($, YTD) |
$217,000
+69.5% YoY — QoQ |
-$101K | $317,817 | $518.0M | $40.4M | 39% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.