BlastPoint's Banking Scorecard
Riverside Bank
Designations: ✓ Community bank
Sparkman, AR
2 branches across AR
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 536 banks in the under $100M peer group nationwide — 1 of 5 in AR.
- Deposits -4.7% year over year ($56.6M on the books).
- Delinquency rate 0.04%.
- Return on assets 1.12%.
- Efficiency ratio 65.94% vs a 119.40% peer average.
- Loan-to-deposit ratio 110.15% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Riverside Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.12% above tier average
- + Net Interest Margin 1.08% above tier average
- + Efficiency Ratio 53.46% below tier average
- + Delinquency Rate 1.44% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 35.94% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$73.9M
+4.0% YoY
+5.3% QoQ
|
+$11.5M |
$62.4M
-0.0% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$62.4M
+21.6% YoY
+9.3% QoQ
|
+$27.5M |
$34.9M
-0.6% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
Top 11.4% in tier |
| Total Deposits ? |
$56.6M
-4.7% YoY
-2.7% QoQ
|
+$5.0M |
$51.6M
-0.2% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
54% |
| Return on Assets ? |
1.12%
+22.3% YoY
+33.1% QoQ
|
+0.12% |
1.00%
+3.5% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
57% |
| Net Interest Margin ? |
4.99%
+9.7% YoY
+2.4% QoQ
|
+1.08% |
3.91%
+2.3% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
Top 13.4% in tier |
| Efficiency Ratio ? |
65.94%
-6.7% YoY
-7.0% QoQ
|
-53.46% |
119.40%
+49.6% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
61% |
| Delinquency Rate ? |
0.04%
-29.1% YoY
-4.7% QoQ
|
-1.44% |
1.48%
+31.8% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
110.15%
+27.6% YoY
+12.3% QoQ
|
+35.94% |
74.21%
+12.6% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 3.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.78%
-4.2% YoY
-4.9% QoQ
|
-9.71% |
23.49%
+0.6% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.03%
-17.1% YoY
-1.1% QoQ
|
-0.80% |
0.84%
+23.0% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
15.19%
-0.2% YoY
-5.3% QoQ
|
-11.94% |
27.13%
+3.0% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.28%
+50.4% YoY
+152.8% QoQ
|
-1.10% |
1.38%
+6.3% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
81% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.8%
-0.6pp YoY -0.7pp QoQ |
-10.9pp | 24.6% | 19.6% | 22.2% | 17% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.9%
0.0pp YoY -1.6pp QoQ |
-2.5pp | 13.4% | 12.7% | 12.5% | 54% |
| CRE |
18.0%
+6.5pp YoY +0.2pp QoQ |
-7.2pp | 25.2% | 41.0% | 41.4% | 43% |
| 1-4 Family |
66.6%
-4.1pp YoY +1.6pp QoQ |
+31.6pp | 35.0% | 28.1% | 31.3% | 84% |
| Consumer |
3.6%
-1.6pp YoY +0.1pp QoQ |
-4.0pp | 7.7% | 4.5% | 5.0% | 39% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.2%
0.0pp YoY -0.8pp QoQ |
-23.5pp | 38.7% | 15.1% | 19.7% | 24% |
| Leverage Ratio |
12.3%
+2.0pp YoY +0.5pp QoQ |
-5.4pp | 17.7% | 11.9% | 12.6% | 44% |
| Total Capital Ratio |
15.5%
+0.3pp YoY -0.8pp QoQ |
-24.2pp | 39.7% | 16.3% | 20.8% | 19% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
0 YoY 0 QoQ |
-0 | 12 | 315 | 482 | 56% |
| Assets per Employee ($) |
$6.2M
+4.0% YoY +5.3% QoQ |
-$29K | $6.2M | $6.7M | $8.8M | 54% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 25 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-1.7pp | 1.7% | 1.1% | 1.0% | 4% |
| Allowance Coverage |
7.36x
+1155.5% YoY +24.4% QoQ |
+0.95x | 6.41x | 4.69x | 20.23x | 85% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.9%
-0.1pp YoY +1.7pp QoQ |
+0.5pp | 6.4% | 12.3% | 11.6% | 42% |
| Cost of Funds (YTD) |
2.7%
-0.7pp YoY 0.0pp QoQ |
+1.3pp | 1.4% | 2.0% | 1.7% | 95% |
| Net Income ($, YTD) |
$402,000
+30.9% YoY — QoQ |
+$84K | $317,817 | $16.0M | $40.4M | 63% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.