BlastPoint's Banking Scorecard

Riverside Bank of Dublin

$100M-$1B Specialty: Commercial OH FDIC cert 59199

Dublin, OH

3 branches across OH

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 96 in OH.
Deposits +15.4% year over year ($238.4M on the books).
Delinquency rate 0.39%.
Return on assets 0.34%.
Efficiency ratio 80.81% vs a 64.48% peer average.
Loan-to-deposit ratio 97.41% 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 96 in OH

View $100M-$1B leaderboard (OH) →

Riverside Bank of Dublin has 1 strength but faces 6 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

+ Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 25.2% in tier
- Credit Quality Pressure: Bottom 47.9% in tier
- Return on Assets 0.99% below tier average
- Non-Interest-Bearing Deposit Share 16.61% below tier average
- Non-Interest Income / Assets 0.54% below tier average
- Net Interest Margin 0.95% below tier average

Get updates when Riverside Bank of Dublin releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$269.0M +14.1% YoY -0.1% QoQ	-$117.5M	$386.6M +1.2% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	40%
Total Loans ?	$232.3M +20.7% YoY -1.6% QoQ	-$26.1M	$258.3M +1.7% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	55%
Total Deposits ?	$238.4M +15.4% YoY -0.1% QoQ	-$88.3M	$326.7M +0.7% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	42%
Return on Assets ?	0.34% +11.6% YoY -21.4% QoQ	-0.99%	1.32% +10.8% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	Bottom 8.2% in tier
Net Interest Margin ?	3.04% +25.6% YoY +3.6% QoQ	-0.95%	3.99% +5.0% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	Bottom 10.9% in tier
Efficiency Ratio ?	80.81% -0.3% YoY +12.1% QoQ	+16.34%	64.48% -3.2% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	Bottom 12.9% in tier
Delinquency Rate ?	0.39% +1.6% QoQ	-0.53%	0.92% +15.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	52%
Loan-to-Deposit Ratio ?	97.41% +4.6% YoY -1.5% QoQ	+19.45%	77.95% +1.0% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	Bottom 13.0% in tier
Non-Interest-Bearing Deposit Share ?	5.42% -1.2% YoY -19.1% QoQ	-16.61%	22.03% -0.6% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	Bottom 4.0% in tier
Nonperforming Asset Ratio ?	0.33% +0.1% QoQ	-0.33%	0.67% +16.4% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	49%
Tier 1 Capital Ratio ?	9.14% -7.5% YoY -2.2% QoQ	-6.77%	15.91% +1.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	Bottom 2.0% in tier
Non-Interest Income / Assets ?	0.03% -71.2% YoY +35.9% QoQ	-0.54%	0.57% +7.6% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	Bottom 2.6% 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 (OH)	National Avg	Tier Percentile
Noninterest-Bearing	5.4% -0.1pp YoY -1.3pp QoQ	-16.7pp	22.1%	18.8%	22.2%	3%
Brokered Deposits	3.0% +2.0pp YoY -4.6pp QoQ	-4.9pp	7.9%	7.7%	8.5%	38%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	12.6% +2.3pp YoY -0.4pp QoQ	+1.0pp	11.6%	10.2%	12.5%	66%
CRE	66.5% -2.1pp YoY -1.1pp QoQ	+26.9pp	39.5%	34.2%	41.4%	90%
1-4 Family	21.3% -0.2pp YoY +1.6pp QoQ	-11.4pp	32.6%	50.0%	31.3%	33%
Consumer	0.5% -0.1pp YoY -0.1pp QoQ	-3.6pp	4.1%	4.7%	5.0%	15%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.1%	19.7%	n/a
Leverage Ratio	9.1% -0.7pp YoY -0.2pp QoQ	-3.0pp	12.2%	12.9%	12.6%	14%
Total Capital Ratio	n/a	n/a	19.9%	23.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	24 +3 (+14.3%) YoY 0 QoQ	-35	58	2,433	482	17%
Assets per Employee ($)	$11.2M -0.2% YoY -0.1% QoQ	+$3.7M	$7.5M	$7.6M	$8.8M	90%
Branch Count	3 +1 (+50.0%) YoY +1 (+50.0%) QoQ	-2	4	81	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.4% 0.0pp QoQ	-0.5pp	0.9%	0.6%	1.0%	46%
Allowance Coverage	2.02x +0.6% QoQ	-22.13x	24.15x	18.95x	20.23x	48%
Net Charge-off Rate (YTD)	0.2% -0.2pp QoQ	+0.1pp	0.1%	0.1%	0.2%	86%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	3.6% +0.6pp YoY -1.0pp QoQ	-8.6pp	12.2%	9.7%	11.6%	10%
Cost of Funds (YTD)	3.1% -0.5pp YoY 0.0pp QoQ	+1.4pp	1.7%	1.7%	1.7%	98%
Net Income ($, YTD)	$446,000 +28.9% YoY — QoQ	-$2.1M	$2.6M	$259.3M	$40.4M	9%

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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 (2)

Efficiency Drag

risk

#92 of 361 • Bottom 25.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.81%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ

Credit Quality Pressure

risk

#602 of 1256 • Bottom 47.9% in tier

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

Why this signature

Delinquency Rate: 0.39%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

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 (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

2592

Tier 1 Capital Ratio

capital

Value: 9.14%

Peer Median: 15.91%

#2592 of 2643 Bottom 2.0% in $100M-$1B

2575

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.57%

#2575 of 2643 Bottom 2.6% in $100M-$1B

2539

Non-Interest-Bearing Deposit Share

funding

Value: 5.42%

Peer Median: 22.03%

#2539 of 2643 Bottom 4.0% in $100M-$1B

2427

Return on Assets

profitability

Value: 0.34%

Peer Median: 1.32%

#2427 of 2643 Bottom 8.2% in $100M-$1B

2356

Net Interest Margin

profitability

Value: 3.04%

Peer Median: 3.99%

#2356 of 2643 Bottom 10.9% in $100M-$1B

2304

Efficiency Ratio

profitability

Value: 80.81%

Peer Median: 64.48%

#2304 of 2643 Bottom 12.9% in $100M-$1B

2300

Loan-to-Deposit Ratio

liquidity

Value: 97.41%

Peer Median: 77.95%

#2300 of 2643 Bottom 13.0% in $100M-$1B