BlastPoint's Banking Scorecard

Rivers Edge Bank

$100M-$1B Specialty: Agricultural SD FDIC cert 9935

Marion, SD

5 branches across SD · IA

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 24 in SD.
Deposits +9.9% year over year ($295.9M on the books).
Delinquency rate 0.16%.
Return on assets 1.47%.
Efficiency ratio 53.09% vs a 64.48% peer average.
Loan-to-deposit ratio 91.29% 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 24 in SD

View $100M-$1B leaderboard (SD) →

Rivers Edge 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

+ ROA 0.15% above tier average
+ Efficiency Ratio 11.39% below tier average
+ Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 15.4% in tier

Get updates when Rivers Edge Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$357.1M +12.4% YoY +3.1% QoQ	-$29.5M	$386.6M +1.2% YoY	$70.4B +8.4% YoY	$6.3B +7.7% YoY	55%
Total Loans ?	$270.1M +16.2% YoY +0.9% QoQ	+$11.8M	$258.3M +1.7% YoY	$31.5B +10.3% YoY	$3.2B +9.4% YoY	62%
Total Deposits ?	$295.9M +9.9% YoY +4.2% QoQ	-$30.9M	$326.7M +0.7% YoY	$56.5B +10.5% YoY	$4.9B +7.3% YoY	54%
Return on Assets ?	1.47% +26.2% YoY +22.3% QoQ	+0.15%	1.32% +10.8% YoY	1.40% +6.8% YoY	1.30% +12.1% YoY	64%
Net Interest Margin ?	4.00% +13.1% YoY +1.0% QoQ	+0.01%	3.99% +5.0% YoY	4.26% +1.1% YoY	3.95% +4.9% YoY	53%
Efficiency Ratio ?	53.09% -11.3% YoY +3.2% QoQ	-11.39%	64.48% -3.2% YoY	60.99% -4.4% YoY	70.05% +2.5% YoY	76%
Delinquency Rate ?	0.16% +78.6% YoY +3.9% QoQ	-0.76%	0.92% +15.7% YoY	0.78% +47.6% YoY	0.98% +16.3% YoY	68%
Loan-to-Deposit Ratio ?	91.29% +5.7% YoY -3.2% QoQ	+13.34%	77.95% +1.0% YoY	73.26% -0.6% YoY	79.03% +2.3% YoY	24%
Non-Interest-Bearing Deposit Share ?	16.84% +1.2% YoY -4.2% QoQ	-5.19%	22.03% -0.6% YoY	23.46% +3.2% YoY	21.98% -0.6% YoY	32%
Nonperforming Asset Ratio ?	0.12% +84.6% YoY +1.6% QoQ	-0.55%	0.67% +16.4% YoY	0.54% +39.8% YoY	0.69% +15.8% YoY	68%
Tier 1 Capital Ratio ?	10.33% -2.9% YoY +1.8% QoQ	-5.58%	15.91% +1.4% YoY	15.80% +1.0% YoY	17.09% +0.8% YoY	Bottom 14.8% in tier
Non-Interest Income / Assets ?	0.10% -8.6% YoY +105.0% QoQ	-0.46%	0.57% +7.6% YoY	0.54% -0.1% YoY	0.66% +5.2% YoY	20%

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 (SD)	National Avg	Tier Percentile
Noninterest-Bearing	16.8% +0.2pp YoY -0.7pp QoQ	-5.3pp	22.1%	23.5%	22.2%	32%
Brokered Deposits	2.8% +0.8pp YoY 0.0pp QoQ	-5.0pp	7.9%	8.7%	8.5%	37%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
C&I	11.1% -1.6pp YoY -0.2pp QoQ	-0.4pp	11.6%	14.1%	12.5%	59%
CRE	8.0% -1.6pp YoY -0.2pp QoQ	-31.5pp	39.5%	31.5%	41.4%	3%
1-4 Family	12.7% +1.1pp YoY +0.1pp QoQ	-20.0pp	32.6%	14.9%	31.3%	15%
Consumer	2.5% -0.5pp YoY 0.0pp QoQ	-1.6pp	4.1%	8.5%	5.0%	54%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
CET1 Ratio	10.3% -0.3pp YoY +0.2pp QoQ	-8.5pp	18.8%	17.6%	19.7%	4%
Leverage Ratio	8.3% +0.1pp YoY -0.1pp QoQ	-3.9pp	12.2%	11.9%	12.6%	4%
Total Capital Ratio	11.6% -0.2pp YoY +0.2pp QoQ	-8.4pp	19.9%	18.8%	20.8%	5%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Full-Time Employees	33 -1 (-2.9%) YoY +1 (+3.1%) QoQ	-26	58	6,279	482	31%
Assets per Employee ($)	$10.8M +15.9% YoY 0.0% QoQ	+$3.3M	$7.5M	$8.1M	$8.8M	90%
Branch Count	5 0 YoY 0 QoQ	0	4	92	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.3pp	0.3%	0.2%	0.4%	19%
Nonaccrual	0.2% +0.1pp YoY 0.0pp QoQ	-0.8pp	0.9%	1.0%	1.0%	25%
Allowance Coverage	7.94x -39.8% YoY -6.4% QoQ	-16.21x	24.15x	96.54x	20.23x	79%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.7%	0.2%	69%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
ROE	16.1% +2.7pp YoY +3.0pp QoQ	+3.9pp	12.2%	12.4%	11.6%	73%
Cost of Funds (YTD)	2.1% -0.2pp YoY +0.1pp QoQ	+0.4pp	1.7%	1.7%	1.7%	77%
Net Income ($, YTD)	$2.5M +40.5% YoY — QoQ	-$5K	$2.6M	$418.8M	$40.4M	63%

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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 (1)

Credit Quality Pressure

risk

#194 of 1256 • Bottom 15.4% in tier

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

Why this signature

Delinquency Rate: 0.16%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

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 (1 metrics)

623

Efficiency Ratio

profitability

Value: 53.09%

Peer Median: 64.48%

#623 of 2643 Top 23.5% in $100M-$1B

Top Weaknesses (3 metrics)

2252

Tier 1 Capital Ratio

capital

Value: 10.33%

Peer Median: 15.91%

#2252 of 2643 Bottom 14.8% in $100M-$1B

2122

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2122 of 2643 Bottom 19.8% in $100M-$1B

2018

Loan-to-Deposit Ratio

liquidity

Value: 91.29%

Peer Median: 77.95%

#2018 of 2643 Bottom 23.7% in $100M-$1B