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Riverside Bank

under $100M Specialty: Mortgage AR FDIC cert 93

Designations: ✓ Community bank

Sparkman, AR

2 branches across AR

537 banks in the under $100M peer group nationally 5 in AR
View under $100M leaderboard (AR) →

Riverside Bank has 3 strengths but faces 1 concern

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

  • + Net Interest Margin 1.00% above tier average
  • + Efficiency Ratio 16.71% below tier average
  • + Delinquency Rate 1.32% below tier average

Key Concerns

Areas that may need attention

  • - Loan-to-Deposit Ratio 33.96% above tier average
Get updates when Riverside Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $70.2M
+2.3% YoY -2.3% QoQ
+$7.9M $62.3M
-0.5% YoY
$2.3B
+2.8% YoY
$6.2B
+9.0% YoY
56%
Total Loans ? $57.1M
+21.9% YoY +3.1% QoQ
+$22.8M $34.3M
-1.5% YoY
$1.7B
+6.4% YoY
$3.2B
+10.7% YoY
Top 14.9% in tier
Total Deposits ? $58.2M
+5.4% YoY -3.1% QoQ
+$6.4M $51.8M
-0.6% YoY
$1.9B
+3.0% YoY
$4.8B
+8.0% YoY
56%
Return on Assets ? 0.84%
+0.7% YoY -6.3% QoQ
-0.02% 0.86%
-3.6% YoY
1.34%
+14.2% YoY
1.24%
+13.1% YoY
45%
Net Interest Margin ? 4.87%
+9.6% YoY +4.3% QoQ
+1.00% 3.87%
+2.7% YoY
4.08%
+8.2% YoY
3.89%
+5.7% YoY
Top 14.0% in tier
Efficiency Ratio ? 70.92%
-3.1% YoY +1.4% QoQ
-16.71% 87.63%
+2.3% YoY
61.77%
-4.8% YoY
66.84%
-3.8% YoY
51%
Delinquency Rate ? 0.04%
-95.9% YoY -13.8% QoQ
-1.32% 1.36%
+33.7% YoY
1.02%
+24.4% YoY
0.95%
+18.8% YoY
68%
Loan-to-Deposit Ratio ? 98.07%
+15.6% YoY +6.4% QoQ
+33.96% 64.11%
-0.9% YoY
80.49%
+1.3% YoY
76.69%
+0.9% YoY
Bottom 8.9% in tier
Non-Interest-Bearing Deposit Share ? 14.48%
+7.1% YoY -13.6% QoQ
-9.30% 23.79%
+0.5% YoY
19.62%
+0.8% YoY
22.01%
-1.1% YoY
22%
Nonperforming Asset Ratio ? 0.03%
-95.1% YoY -9.0% QoQ
-0.74% 0.77%
+28.7% YoY
0.79%
+32.8% YoY
0.66%
+19.3% YoY
66%
Tier 1 Capital Ratio ? 16.04%
+0.8% YoY -2.0% QoQ
-10.73% 26.77%
+2.0% YoY
13.59%
+0.0% YoY
17.06%
+0.8% YoY
54%
Non-Interest Income / Assets ? 0.11%
+29.8% YoY -72.1% QoQ
-0.56% 0.67%
+1.6% YoY
0.18%
-3.1% YoY
0.32%
+4.0% YoY
76%

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 (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 537 peers in under $100M

Top Strengths (3 metrics)

76
Net Interest Margin
profitability
Value: 4.87%
Peer Median: 3.87%
#76 of 537 Top 14.0% in under $100M
81
Total Loans
size
Value: $57.10M
Peer Median: $34.29M
#81 of 537 Top 14.9% in under $100M
132
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.67%
#132 of 537 Top 24.4% in under $100M

Top Weaknesses (2 metrics)

490
Loan-to-Deposit Ratio
liquidity
Value: 98.07%
Peer Median: 64.11%
#490 of 537 Bottom 8.9% in under $100M
419
Non-Interest-Bearing Deposit Share
funding
Value: 14.48%
Peer Median: 23.79%
#419 of 537 Bottom 22.2% in under $100M
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