BlastPoint's Banking Scorecard
Riverview Bank
Designations: ✓ Community bank
Vancouver, WA
18 branches across WA · OR
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 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in WA.
- Deposits +4.1% year over year ($1.3B on the books).
- Delinquency rate 0.81%.
- Return on assets -0.77%.
- Efficiency ratio 83.02% vs a 59.73% peer average.
- Loan-to-deposit ratio 85.14% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Riverview Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.06% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 1.7% in tier
- - Return on Assets 2.16% below tier average
- - Net Interest Margin 0.55% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
-3.1% YoY
+0.5% QoQ
|
-$1.3B |
$2.8B
-0.6% YoY
|
$3.2B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
33% |
| Total Loans ? |
$1.1B
+2.4% YoY
+0.1% QoQ
|
-$885.3M |
$2.0B
-0.3% YoY
|
$2.3B
+6.2% YoY
|
$3.2B
+9.4% YoY
|
36% |
| Total Deposits ? |
$1.3B
+4.1% YoY
+0.5% QoQ
|
-$1.1B |
$2.3B
-0.5% YoY
|
$2.6B
+6.6% YoY
|
$4.9B
+7.3% YoY
|
35% |
| Return on Assets ? |
-0.77%
-282.9% YoY
+63.0% QoQ
|
-2.16% |
1.39%
+17.0% YoY
|
0.49%
-20.7% YoY
|
1.30%
+12.1% YoY
|
Bottom 0.9% in tier |
| Net Interest Margin ? |
3.32%
+15.0% YoY
+6.4% QoQ
|
-0.55% |
3.87%
+6.2% YoY
|
3.77%
+1.0% YoY
|
3.95%
+4.9% YoY
|
27% |
| Efficiency Ratio ? |
83.02%
-2.4% YoY
+0.2% QoQ
|
+23.29% |
59.73%
-12.6% YoY
|
77.86%
+4.3% YoY
|
70.05%
+2.5% YoY
|
Bottom 4.9% in tier |
| Delinquency Rate ? |
0.81%
+12.5% QoQ
|
-0.06% |
0.87%
+11.7% YoY
|
2.42%
+282.9% YoY
|
0.98%
+16.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
85.14%
-1.6% YoY
-0.4% QoQ
|
+0.11% |
85.04%
-0.1% YoY
|
82.67%
-3.3% YoY
|
79.03%
+2.3% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
23.47%
-8.8% YoY
-0.6% QoQ
|
+2.20% |
21.27%
-1.5% YoY
|
25.26%
+1.1% YoY
|
21.98%
-0.6% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.60%
+12.0% QoQ
|
-0.08% |
0.67%
+11.7% YoY
|
1.67%
+187.6% YoY
|
0.69%
+15.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
14.39%
-6.0% YoY
+0.2% QoQ
|
-0.45% |
14.84%
-0.4% YoY
|
12.96%
-1.6% YoY
|
17.09%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.47%
-1.0% YoY
+108.1% QoQ
|
-0.06% |
0.53%
+2.5% YoY
|
0.42%
+15.9% YoY
|
0.66%
+5.2% YoY
|
78% |
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 (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.5%
-2.3pp YoY -0.1pp QoQ |
+2.1pp | 21.4% | 25.3% | 22.2% | 66% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.5%
-1.3pp YoY +0.2pp QoQ |
-2.5pp | 14.0% | 10.5% | 12.5% | 52% |
| CRE |
70.1%
+2.1pp YoY 0.0pp QoQ |
+20.1pp | 50.0% | 50.6% | 41.4% | 88% |
| 1-4 Family |
13.6%
-0.5pp YoY -0.1pp QoQ |
-12.8pp | 26.4% | 30.1% | 31.3% | 26% |
| Consumer |
2.4%
+0.1pp YoY -0.1pp QoQ |
-2.3pp | 4.7% | 7.9% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.4%
-0.9pp YoY 0.0pp QoQ |
-1.2pp | 15.6% | 12.7% | 19.7% | 64% |
| Leverage Ratio |
11.0%
-0.2pp YoY +0.4pp QoQ |
-0.4pp | 11.3% | 10.7% | 12.6% | 59% |
| Total Capital Ratio |
15.6%
-0.9pp YoY 0.0pp QoQ |
-1.1pp | 16.7% | 13.8% | 20.8% | 65% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
247
+4 (+1.6%) YoY +4 (+1.6%) QoQ |
-67 | 313 | 343 | 482 | 54% |
| Assets per Employee ($) |
$5.9M
-4.6% YoY -1.1% QoQ |
-$4.5M | $10.5M | $8.5M | $8.8M | 11% |
| Branch Count |
18
0 YoY 0 QoQ |
-2 | 20 | 24 | 18 | 60% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.8%
+0.8pp YoY +0.1pp QoQ |
0.0pp | 0.8% | 2.6% | 1.0% | 66% |
| Allowance Coverage |
1.75x
-98.4% YoY -10.6% QoQ |
-16.96x | 18.71x | 4.50x | 20.23x | 44% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY -0.2pp QoQ |
-0.1pp | 0.3% | 0.4% | 0.2% | 78% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-6.6%
-10.1pp YoY +11.0pp QoQ |
-19.2pp | 12.6% | -2.7% | 11.6% | 1% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.9% | 1.8% | 1.7% | 16% |
| Net Income ($, YTD) |
$-5660000.0
-279.2% YoY — QoQ |
-$24.9M | $19.2M | $14.3M | $40.4M | 1% |
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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)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.