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RiverBank

$100M-$1B Specialty: Commercial WA FDIC cert 58322

Designations: ✓ CDFI-certified

Spokane, WA

3 branches across WA

2664 banks in the $100M-$1B peer group nationally 10 in WA
View $100M-$1B leaderboard (WA) →

RiverBank has 5 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

  • + Deposit Franchise: Top 47.4% in tier
  • + Revenue Diversifier: Top 47.9% in tier
  • + ROA 0.35% above tier average
  • + Efficiency Ratio 5.39% below tier average
  • + Delinquency Rate 0.17% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 10.3% in tier
  • - Liquidity Strain: Bottom 19.4% in tier
  • - Credit Quality Pressure: Bottom 42.6% in tier
Get updates when RiverBank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Total Assets ? $283.7M
+6.9% YoY -3.1% QoQ
-$102.3M $386.1M
+0.5% YoY
$3.1B
+4.0% YoY
$6.2B
+9.1% YoY
43%
Total Loans ? $233.5M
+2.4% YoY +1.3% QoQ
-$22.2M $255.7M
+1.1% YoY
$2.2B
+2.0% YoY
$3.2B
+10.8% YoY
56%
Total Deposits ? $250.5M
+6.1% YoY -2.7% QoQ
-$77.5M $328.0M
+0.1% YoY
$2.5B
+4.5% YoY
$4.8B
+8.2% YoY
45%
Return on Assets ? 1.62%
+24.4% YoY +22.6% QoQ
+0.35% 1.27%
+12.9% YoY
0.33%
-42.8% YoY
1.23%
+13.4% YoY
74%
Net Interest Margin ? 4.59%
+5.4% YoY -1.2% QoQ
+0.66% 3.93%
+6.0% YoY
3.69%
+1.2% YoY
3.89%
+5.7% YoY
84%
Efficiency Ratio ? 59.90%
-2.6% YoY -4.7% QoQ
-5.39% 65.29%
-4.5% YoY
71.09%
-8.1% YoY
66.95%
-4.1% YoY
60%
Delinquency Rate ? 0.72%
+42.4% YoY +50.0% QoQ
-0.17% 0.89%
+18.8% YoY
1.35%
+102.7% YoY
0.95%
+18.8% YoY
36%
Loan-to-Deposit Ratio ? 93.22%
-3.5% YoY +4.1% QoQ
+16.58% 76.64%
+0.8% YoY
81.10%
-2.4% YoY
76.70%
+0.9% YoY
18%
Non-Interest-Bearing Deposit Share ? 38.45%
-9.8% YoY +6.6% QoQ
+16.43% 22.02%
-1.0% YoY
25.15%
+1.1% YoY
22.01%
-1.2% YoY
Top 6.0% in tier
Nonperforming Asset Ratio ? 0.59%
+36.4% YoY +56.7% QoQ
-0.05% 0.64%
+19.7% YoY
0.95%
+54.5% YoY
0.67%
+19.3% YoY
33%
Tier 1 Capital Ratio ? 11.12%
+6.5% YoY +1.9% QoQ
-4.71% 15.83%
+1.5% YoY
13.58%
+1.6% YoY
17.06%
+0.8% YoY
25%
Non-Interest Income / Assets ? 0.20%
+23.0% YoY -60.3% QoQ
-0.08% 0.28%
+9.3% YoY
0.20%
+3.0% YoY
0.32%
+4.1% YoY
Top 13.5% in tier

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 (2)

Deposit Franchise

growth
#130 of 272 • Top 47.4% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 38.45%
(Tier: 22.02%, National: 22.01%)
better than tier avg
Net Interest Margin: 4.59%
(Tier: 3.93%, National: 3.89%)
better than tier avg
272 of 272 Community banks match · 369 nationally
→ Stable -14 banks QoQ | QoQ rank improving

Revenue Diversifier

growth
#320 of 666 • Top 47.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.20%
(Tier: 0.28%, National: 0.32%)
but worse than tier avg
Return on Assets: 1.62%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ

Concerns (3)

Credit Risk Growth

risk
#101 of 973 • Bottom 10.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ

Liquidity Strain

risk
#126 of 643 • Bottom 19.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.22%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ

Credit Quality Pressure

risk
#558 of 1308 • Bottom 42.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.72%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

162
Non-Interest-Bearing Deposit Share
funding
Value: 38.45%
Peer Median: 22.02%
#162 of 2664 Top 6.0% in $100M-$1B
361
Non-Interest Income / Assets
revenue_mix
Value: 0.20%
Peer Median: 0.28%
#361 of 2664 Top 13.5% in $100M-$1B
420
Net Interest Margin
profitability
Value: 4.59%
Peer Median: 3.93%
#420 of 2664 Top 15.7% in $100M-$1B

Top Weaknesses (2 metrics)

2193
Loan-to-Deposit Ratio
liquidity
Value: 93.22%
Peer Median: 76.64%
#2193 of 2664 Bottom 17.7% in $100M-$1B
2009
Tier 1 Capital Ratio
capital
Value: 11.12%
Peer Median: 15.83%
#2009 of 2664 Bottom 24.6% in $100M-$1B
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