BlastPoint's Banking Scorecard
Riverstone Bank
Community
Specialty: Commercial
NE
FDIC cert 10641
Eagle, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Riverstone Bank shows strong momentum with 4 strengths and 9.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 23% in Community
- + Delinquency Rate 0.62% below tier
- + Loan-to-Deposit Ratio 19.72% above tier
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$553.0M
+9.4% YoY
+2.9% QoQ
|
-$838.5M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$479.9M
+11.0% YoY
+5.1% QoQ
|
-$495.5M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$467.0M
+3.2% YoY
-2.1% QoQ
|
-$697.6M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
1.81%
+33.4% YoY
+1.0% QoQ
|
+0.64% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
4.33%
+15.5% YoY
+1.5% QoQ
|
+0.67% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
57.42%
-11.5% YoY
+0.6% QoQ
|
-5.21% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
0.01%
-20.2% YoY
-9.5% QoQ
|
-0.62% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Top 6% in tier |
| Loan-to-Deposit Ratio ? |
102.78%
+7.5% YoY
+7.3% QoQ
|
+19.72% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.05%
-29.5% YoY
+6.3% QoQ
|
+0.01% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.01%
-19.0% YoY
-7.5% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Top 6% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.32%
-23.2% YoY
+29.8% QoQ
|
-0.42% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#85 of 371 · Top 23% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.81%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Delinquency Rate
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 9%
in Community
Why this stands out
Current:
102.78%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
91
91th pctile
Loan-to-Deposit Ratio
Current: 102.78% · Tier avg: 83.06%
87
87th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.16%
82
82th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.66%
65
65th pctile
Efficiency Ratio
Current: 57.42% · Tier avg: 62.63%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 21.05% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Total Loans
Current: $479.9M · Tier avg: $975.5M
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
8
8th pctile
Total Deposits
Current: $467.0M · Tier avg: $1.2B
8
8th pctile
Total Assets
Current: $553.0M · Tier avg: $1.4B
Top Weaknesses
8
8th pctile
Total Assets
Current: $553.0M · Tier avg: $1.4B
8
8th pctile
Total Deposits
Current: $467.0M · Tier avg: $1.2B
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
28
28th pctile
Total Loans
Current: $479.9M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 21.05% · Tier avg: 21.05%
65
65th pctile
Efficiency Ratio
Current: 57.42% · Tier avg: 62.63%
82
82th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.66%
87
87th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.16%
91
91th pctile
Loan-to-Deposit Ratio
Current: 102.78% · Tier avg: 83.06%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%