BlastPoint's Banking Scorecard
River Bank
Community
Specialty: Commercial
WI
FDIC cert 14995
Stoddard, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
River Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.27% below tier
- - Loan-to-Deposit Ratio 23.66% above tier
- - Non-Interest Income / Assets 0.64% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+3.4% YoY
+3.4% QoQ
|
-$345.9M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$834.9M
+2.3% YoY
+0.7% QoQ
|
-$140.6M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$782.3M
+6.1% YoY
+3.5% QoQ
|
-$382.3M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
1.04%
+61.2% YoY
+18.3% QoQ
|
-0.13% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
2.39%
+27.0% YoY
+5.1% QoQ
|
-1.27% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
57.25%
-17.6% YoY
-3.4% QoQ
|
-5.38% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
0.27%
-4.2% YoY
+11.9% QoQ
|
-0.35% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
106.72%
-3.6% YoY
-2.7% QoQ
|
+23.66% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.53%
+7.3% YoY
+7.6% QoQ
|
-7.51% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.22%
-5.2% YoY
+9.0% QoQ
|
-0.28% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
14.18%
+6.1% YoY
+1.7% QoQ
|
+3.93% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.10%
-8.2% YoY
+29.9% QoQ
|
-0.64% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Net Interest Margin
metric
Bottom 4%
in Community
Why this stands out
Current:
2.39%
(Tier avg: 3.66%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
106.72%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
0.10%
(Tier avg: 0.74%, National avg: 0.65%)
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
70
70th pctile
Tier 1 Capital Ratio
Current: 14.18% · Tier avg: 10.24%
66
66th pctile
Efficiency Ratio
Current: 57.25% · Tier avg: 62.63%
63
63th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
59
59th pctile
Total Loans
Current: $834.9M · Tier avg: $975.5M
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
45
45th pctile
Total Deposits
Current: $782.3M · Tier avg: $1.2B
42
42th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.53% · Tier avg: 21.05%
5
5th pctile
Loan-to-Deposit Ratio
Current: 106.72% · Tier avg: 83.06%
4
4th pctile
Net Interest Margin
Current: 2.39% · Tier avg: 3.66%
3
3th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.74%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.74%
4
4th pctile
Net Interest Margin
Current: 2.39% · Tier avg: 3.66%
5
5th pctile
Loan-to-Deposit Ratio
Current: 106.72% · Tier avg: 83.06%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.53% · Tier avg: 21.05%
42
42th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
45
45th pctile
Total Deposits
Current: $782.3M · Tier avg: $1.2B
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
59
59th pctile
Total Loans
Current: $834.9M · Tier avg: $975.5M
63
63th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
63
63th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
66
66th pctile
Efficiency Ratio
Current: 57.25% · Tier avg: 62.63%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.18% · Tier avg: 10.24%