BlastPoint's Banking Scorecard
RiverBank
Pocahontas, AR
4 branches across AR
RiverBank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 0.25% above tier average
- + Efficiency Ratio 14.81% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 49.2% in tier
- - Delinquency Rate 0.54% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$164.8M
+13.8% YoY
+1.7% QoQ
|
-$221.3M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
18% |
| Total Loans ? |
$124.7M
+15.3% YoY
+0.6% QoQ
|
-$131.1M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
27% |
| Total Deposits ? |
$142.8M
+14.0% YoY
+2.7% QoQ
|
-$185.2M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
19% |
| Return on Assets ? |
1.43%
-24.9% YoY
-6.7% QoQ
|
+0.17% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
64% |
| Net Interest Margin ? |
4.18%
+8.6% YoY
+0.5% QoQ
|
+0.25% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
67% |
| Efficiency Ratio ? |
50.48%
+5.9% YoY
-0.9% QoQ
|
-14.81% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
83% |
| Delinquency Rate ? |
1.43%
+786.1% YoY
+89.1% QoQ
|
+0.54% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
87.30%
+1.1% YoY
-2.1% QoQ
|
+10.66% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
11.35%
-1.9% YoY
+7.7% QoQ
|
-10.67% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 13.5% in tier |
| Nonperforming Asset Ratio ? |
1.08%
+714.0% YoY
+86.9% QoQ
|
+0.44% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
18% |
| Tier 1 Capital Ratio ? |
12.24%
-5.8% YoY
+4.5% QoQ
|
-3.59% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.07%
-73.5% YoY
-84.8% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
33% |
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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)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.