BlastPoint's Banking Scorecard
Rivers Edge Bank
Marion, SD
5 branches across SD · IA
Rivers Edge Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 13.86% below tier average
- + Delinquency Rate 0.73% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 14.3% in tier
- - ROA 0.07% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$346.3M
+11.0% YoY
+2.7% QoQ
|
-$39.8M |
$386.1M
+0.5% YoY
|
$68.7B
+9.0% YoY
|
$6.2B
+9.1% YoY
|
54% |
| Total Loans ? |
$267.8M
+20.5% YoY
+5.2% QoQ
|
+$12.1M |
$255.7M
+1.1% YoY
|
$30.8B
+10.3% YoY
|
$3.2B
+10.8% YoY
|
62% |
| Total Deposits ? |
$284.0M
+6.4% YoY
+4.2% QoQ
|
-$43.9M |
$328.0M
+0.1% YoY
|
$54.8B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
52% |
| Return on Assets ? |
1.20%
+4.4% YoY
-14.4% QoQ
|
-0.07% |
1.27%
+12.9% YoY
|
1.41%
+1.8% YoY
|
1.23%
+13.4% YoY
|
50% |
| Net Interest Margin ? |
3.95%
+16.8% YoY
+5.1% QoQ
|
+0.02% |
3.93%
+6.0% YoY
|
4.19%
+0.4% YoY
|
3.89%
+5.7% YoY
|
55% |
| Efficiency Ratio ? |
51.43%
-16.0% YoY
-8.1% QoQ
|
-13.86% |
65.29%
-4.5% YoY
|
64.00%
-0.6% YoY
|
66.95%
-4.1% YoY
|
82% |
| Delinquency Rate ? |
0.16%
+62.1% YoY
-5.8% QoQ
|
-0.73% |
0.89%
+18.8% YoY
|
0.59%
+45.1% YoY
|
0.95%
+18.8% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
94.28%
+13.2% YoY
+0.9% QoQ
|
+17.65% |
76.64%
+0.8% YoY
|
71.70%
+0.3% YoY
|
76.70%
+0.9% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
17.58%
-4.1% YoY
-13.7% QoQ
|
-4.44% |
22.02%
-1.0% YoY
|
23.74%
-0.7% YoY
|
22.01%
-1.2% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.12%
+76.0% YoY
-3.5% QoQ
|
-0.52% |
0.64%
+19.7% YoY
|
0.41%
+39.3% YoY
|
0.67%
+19.3% YoY
|
68% |
| Tier 1 Capital Ratio ? |
10.15%
-6.1% YoY
-2.8% QoQ
|
-5.68% |
15.83%
+1.5% YoY
|
15.79%
+0.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 11.5% in tier |
| Non-Interest Income / Assets ? |
0.05%
-5.6% YoY
-77.4% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.27%
+0.0% YoY
|
0.32%
+4.1% YoY
|
20% |
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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.