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RiverBank

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

Designations: ✓ CDFI-certified

Spokane, WA

3 branches across WA

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 10 in WA.
  • Deposits +11.2% year over year ($275.2M on the books).
  • Delinquency rate 0.32%.
  • Return on assets 1.78%.
  • Efficiency ratio 57.22% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.81% 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 10 in WA
View $100M-$1B leaderboard (WA) →

RiverBank shows strong momentum with 5 strengths and 12.6% YoY asset growth

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

  • + Profitability Leader: Top 23.9% in tier
  • + Deposit Franchise: Top 29.1% in tier
  • + Revenue Diversifier: Top 42.4% in tier
  • + Efficiency Ratio 7.26% below tier average
  • + Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when RiverBank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Total Assets ? $310.2M
+12.6% YoY +9.3% QoQ
-$76.3M $386.6M
+1.2% YoY
$3.2B
+7.3% YoY
$6.3B
+7.7% YoY
48%
Total Loans ? $236.2M
+1.9% YoY +1.1% QoQ
-$22.2M $258.3M
+1.7% YoY
$2.3B
+6.2% YoY
$3.2B
+9.4% YoY
56%
Total Deposits ? $275.2M
+11.2% YoY +9.9% QoQ
-$51.5M $326.7M
+0.7% YoY
$2.6B
+6.6% YoY
$4.9B
+7.3% YoY
50%
Return on Assets ? 1.78%
+51.0% YoY +10.0% QoQ
+0.46% 1.32%
+10.8% YoY
0.49%
-20.7% YoY
1.30%
+12.1% YoY
79%
Net Interest Margin ? 4.70%
+6.1% YoY +2.4% QoQ
+0.71% 3.99%
+5.0% YoY
3.77%
+1.0% YoY
3.95%
+4.9% YoY
Top 14.3% in tier
Efficiency Ratio ? 57.22%
-9.2% YoY -4.5% QoQ
-7.26% 64.48%
-3.2% YoY
77.86%
+4.3% YoY
70.05%
+2.5% YoY
66%
Delinquency Rate ? 0.32%
-35.9% YoY -55.7% QoQ
-0.60% 0.92%
+15.7% YoY
2.42%
+282.9% YoY
0.98%
+16.3% YoY
56%
Loan-to-Deposit Ratio ? 85.81%
-8.4% YoY -7.9% QoQ
+7.86% 77.95%
+1.0% YoY
82.67%
-3.3% YoY
79.03%
+2.3% YoY
36%
Non-Interest-Bearing Deposit Share ? 45.71%
+12.0% YoY +18.9% QoQ
+23.68% 22.03%
-0.6% YoY
25.26%
+1.1% YoY
21.98%
-0.6% YoY
Top 2.7% in tier
Nonperforming Asset Ratio ? 0.24%
-42.0% YoY -59.0% QoQ
-0.43% 0.67%
+16.4% YoY
1.67%
+187.6% YoY
0.69%
+15.8% YoY
56%
Tier 1 Capital Ratio ? 11.34%
+7.7% YoY +2.0% QoQ
-4.57% 15.91%
+1.4% YoY
12.96%
-1.6% YoY
17.09%
+0.8% YoY
27%
Non-Interest Income / Assets ? 0.44%
+45.7% YoY +117.6% QoQ
-0.13% 0.57%
+7.6% YoY
0.42%
+15.9% YoY
0.66%
+5.2% YoY
Top 11.7% in tier

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 45.7%
+4.9pp YoY
+7.3pp QoQ
 +23.6pp 22.1% 25.3% 22.2% 97%
Brokered Deposits 17.0%
+1.4pp YoY
+2.2pp QoQ
 +9.1pp 7.9% 8.9% 8.5% 88%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
C&I 18.4%
+4.5pp YoY
+1.4pp QoQ
 +6.8pp 11.6% 10.5% 12.5% 85%
CRE 61.6%
-2.3pp YoY
+1.2pp QoQ
 +22.0pp 39.5% 50.6% 41.4% 86%
1-4 Family 20.3%
-2.0pp YoY
-2.6pp QoQ
 -12.3pp 32.6% 30.1% 31.3% 30%
Consumer 0.0%
-0.1pp YoY
-0.1pp QoQ
 -4.1pp 4.1% 7.9% 5.0% 3%

Capital

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 12.7% 19.7% n/a
Leverage Ratio 11.3%
+0.8pp YoY
+0.2pp QoQ
 -0.8pp 12.2% 10.7% 12.6% 56%
Total Capital Ratio n/a n/a 19.9% 13.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Full-Time Employees 39
-1 (-2.5%) YoY
-1 (-2.5%) QoQ
 -20 58 343 482 40%
Assets per Employee ($) $8.0M
+15.5% YoY
+12.1% QoQ
 +$436K $7.5M $8.5M $8.8M 67%
Branch Count 3
0 YoY
0 QoQ
 -2 4 24 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.3%
-0.2pp YoY
-0.4pp QoQ
 -0.6pp 0.9% 2.6% 1.0% 40%
Allowance Coverage 4.25x
+60.5% YoY
+126.9% QoQ
 -19.90x 24.15x 4.50x 20.23x 66%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.4% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
ROE 17.3%
+4.9pp YoY
+1.6pp QoQ
 +5.1pp 12.2% -2.7% 11.6% 79%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 58%
Net Income ($, YTD) $2.6M
+66.7% YoY
— QoQ
 +$82K $2.6M $14.3M $40.4M 64%

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 (3)

Profitability Leader

growth
#159 of 661 • Top 23.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.78%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Deposit Franchise

growth
#82 of 278 • Top 29.1% 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: 45.71%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.70%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Revenue Diversifier

growth
#281 of 661 • Top 42.4% 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: 0.44%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.78%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

72
Non-Interest-Bearing Deposit Share
funding
Value: 45.71%
Peer Median: 22.03%
#72 of 2643 Top 2.7% in $100M-$1B
311
Non-Interest Income / Assets
revenue_mix
Value: 0.44%
Peer Median: 0.57%
#311 of 2643 Top 11.7% in $100M-$1B
380
Net Interest Margin
profitability
Value: 4.70%
Peer Median: 3.99%
#380 of 2643 Top 14.3% in $100M-$1B
544
Return on Assets
profitability
Value: 1.78%
Peer Median: 1.32%
#544 of 2643 Top 20.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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