BlastPoint's Banking Scorecard
Riverside Bank of Dublin
Dublin, OH
2 branches across OH
Riverside Bank of Dublin has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.51% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 46.2% in tier
- - Net Interest Margin 1.00% below tier average
- - Loan-to-Deposit Ratio 22.21% above tier average
- - Non-Interest-Bearing Deposit Share 15.33% below tier average
- - Non-Interest Income / Assets 0.26% below tier average
- - ROA 0.84% below tier average
- - Efficiency Ratio 6.80% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$269.4M
+14.5% YoY
+3.8% QoQ
|
-$116.7M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
40% |
| Total Loans ? |
$235.9M
+27.2% YoY
+6.4% QoQ
|
-$19.8M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
57% |
| Total Deposits ? |
$238.7M
+15.7% YoY
+4.3% QoQ
|
-$89.3M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
42% |
| Return on Assets ? |
0.43%
+43.5% YoY
-13.4% QoQ
|
-0.84% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.3% in tier |
| Net Interest Margin ? |
2.93%
+28.8% YoY
+8.8% QoQ
|
-1.00% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 9.4% in tier |
| Efficiency Ratio ? |
72.08%
-10.1% YoY
-2.1% QoQ
|
+6.80% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
28% |
| Delinquency Rate ? |
0.38%
+128.3% QoQ
|
-0.51% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
98.85%
+10.0% YoY
+2.0% QoQ
|
+22.21% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 9.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.69%
+31.7% YoY
+38.0% QoQ
|
-15.33% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.5% in tier |
| Nonperforming Asset Ratio ? |
0.33%
+133.9% QoQ
|
-0.30% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
48% |
| Tier 1 Capital Ratio ? |
9.34%
-8.9% YoY
-5.7% QoQ
|
-6.49% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.8% in tier |
| Non-Interest Income / Assets ? |
0.02%
-69.8% YoY
-92.5% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 4.6% in tier |
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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)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.