BlastPoint's Banking Scorecard

RiverBank

$100M-$1B Specialty: Agricultural AR FDIC cert 31711

Pocahontas, AR

4 branches across AR

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in AR.
Deposits +10.0% year over year ($150.4M on the books).
Delinquency rate 3.47%.
Return on assets 1.23%.
Efficiency ratio 52.37% vs a 64.48% peer average.
Loan-to-deposit ratio 89.28% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in AR

View $100M-$1B leaderboard (AR) →

RiverBank has 1 strength but faces 4 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

+ Efficiency Ratio 12.11% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 54.1% in tier
- Delinquency Rate 2.55% above tier average
- Non-Interest-Bearing Deposit Share 13.35% below tier average
- Nonperforming Asset Ratio 2.00% above tier average

Get updates when RiverBank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$174.4M +11.8% YoY +5.9% QoQ	-$212.1M	$386.6M +1.2% YoY	$2.4B +2.9% YoY	$6.3B +7.7% YoY	20%
Total Loans ?	$134.3M +14.1% YoY +7.7% QoQ	-$124.1M	$258.3M +1.7% YoY	$1.7B +5.8% YoY	$3.2B +9.4% YoY	30%
Total Deposits ?	$150.4M +10.0% YoY +5.3% QoQ	-$176.3M	$326.7M +0.7% YoY	$2.0B +2.5% YoY	$4.9B +7.3% YoY	22%
Return on Assets ?	1.23% -19.3% YoY -14.0% QoQ	-0.09%	1.32% +10.8% YoY	1.32% +8.9% YoY	1.30% +12.1% YoY	49%
Net Interest Margin ?	3.94% +0.2% YoY -5.7% QoQ	-0.05%	3.99% +5.0% YoY	4.10% +6.0% YoY	3.95% +4.9% YoY	50%
Efficiency Ratio ?	52.37% +0.8% YoY +3.8% QoQ	-12.11%	64.48% -3.2% YoY	61.09% -4.5% YoY	70.05% +2.5% YoY	79%
Delinquency Rate ?	3.47% +112.6% YoY +143.4% QoQ	+2.55%	0.92% +15.7% YoY	1.05% +22.1% YoY	0.98% +16.3% YoY	Bottom 4.8% in tier
Loan-to-Deposit Ratio ?	89.28% +3.8% YoY +2.3% QoQ	+11.33%	77.95% +1.0% YoY	82.37% +1.8% YoY	79.03% +2.3% YoY	28%
Non-Interest-Bearing Deposit Share ?	8.68% -13.2% YoY -23.5% QoQ	-13.35%	22.03% -0.6% YoY	19.62% +0.3% YoY	21.98% -0.6% YoY	Bottom 8.1% in tier
Nonperforming Asset Ratio ?	2.67% +114.9% YoY +147.6% QoQ	+2.00%	0.67% +16.4% YoY	0.84% +30.0% YoY	0.69% +15.8% YoY	Bottom 4.3% in tier
Tier 1 Capital Ratio ?	12.18% -0.3% YoY -0.5% QoQ	-3.73%	15.91% +1.4% YoY	13.64% +0.9% YoY	17.09% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.10% -65.5% YoY +40.1% QoQ	-0.47%	0.57% +7.6% YoY	0.36% -4.6% YoY	0.66% +5.2% YoY	18%

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 (AR)	National Avg	Tier Percentile
Noninterest-Bearing	8.7% -1.3pp YoY -2.7pp QoQ	-13.5pp	22.1%	19.6%	22.2%	8%
Brokered Deposits	11.9% +1.4pp YoY +6.5pp QoQ	+4.0pp	7.9%	7.2%	8.5%	80%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
C&I	10.2% +2.4pp YoY -0.2pp QoQ	-1.3pp	11.6%	12.7%	12.5%	54%
CRE	21.1% -2.3pp YoY -9.7pp QoQ	-18.4pp	39.5%	41.0%	41.4%	20%
1-4 Family	9.8% -1.3pp YoY -0.6pp QoQ	-22.8pp	32.6%	28.1%	31.3%	10%
Consumer	1.0% -0.1pp YoY -0.1pp QoQ	-3.1pp	4.1%	4.5%	5.0%	30%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.1%	19.7%	n/a
Leverage Ratio	12.2% 0.0pp YoY -0.1pp QoQ	0.0pp	12.2%	11.9%	12.6%	67%
Total Capital Ratio	n/a	n/a	19.9%	16.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Full-Time Employees	26 +2 (+8.3%) YoY +2 (+8.3%) QoQ	-33	58	315	482	21%
Assets per Employee ($)	$6.7M +3.2% YoY -2.3% QoQ	-$809K	$7.5M	$6.7M	$8.8M	47%
Branch Count	4 0 YoY 0 QoQ	-1	4	25	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	3.5% +1.8pp YoY +2.0pp QoQ	+2.5pp	0.9%	1.1%	1.0%	96%
Allowance Coverage	0.43x -50.9% YoY -59.5% QoQ	-23.72x	24.15x	4.69x	20.23x	7%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	42%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
ROE	10.6% -2.2pp YoY -1.6pp QoQ	-1.6pp	12.2%	12.3%	11.6%	40%
Cost of Funds (YTD)	2.6% -0.4pp YoY 0.0pp QoQ	+0.9pp	1.7%	2.0%	1.7%	92%
Net Income ($, YTD)	$1.0M -7.9% YoY — QoQ	-$1.5M	$2.6M	$16.0M	$40.4M	27%

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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 (1)

Margin Compression

decline

#167 of 307 • Bottom 54.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.23%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

567

Efficiency Ratio

profitability

Value: 52.37%

Peer Median: 64.48%

#567 of 2643 Top 21.4% in $100M-$1B

Top Weaknesses (6 metrics)

2530

Nonperforming Asset Ratio

credit_quality

Value: 2.67%

Peer Median: 0.67%

#2530 of 2643 Bottom 4.3% in $100M-$1B

2507

Delinquency Rate

credit_quality

Value: 3.47%

Peer Median: 0.92%

#2507 of 2633 Bottom 4.8% in $100M-$1B

2430

Non-Interest-Bearing Deposit Share

funding

Value: 8.68%

Peer Median: 22.03%

#2430 of 2643 Bottom 8.1% in $100M-$1B

2156

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2156 of 2643 Bottom 18.5% in $100M-$1B

2116

Total Assets

size

Value: $174.44M

Peer Median: $386.57M

#2116 of 2643 Bottom 20.0% in $100M-$1B

2070

Total Deposits

size

Value: $150.40M

Peer Median: $326.73M

#2070 of 2643 Bottom 21.7% in $100M-$1B