BlastPoint's Banking Scorecard
RVR Bank
Community
Specialty: Commercial
NE
FDIC cert 17639
Fremont, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
RVR Bank shows strong momentum with 1 strength and 6.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 39% in Community
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 ? |
$557.1M
+6.6% YoY
+0.4% QoQ
|
-$834.3M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$423.6M
+8.3% YoY
+0.1% QoQ
|
-$551.9M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$495.2M
+5.8% YoY
+0.2% QoQ
|
-$669.4M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
1.74%
+25.3% YoY
-3.9% QoQ
|
+0.57% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
4.34%
+8.3% YoY
+1.1% QoQ
|
+0.68% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
60.81%
-3.1% YoY
+4.3% QoQ
|
-1.82% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
0.10%
-52.8% YoY
+53.4% QoQ
|
-0.53% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
85.54%
+2.4% YoY
-0.1% QoQ
|
+2.48% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
12.38%
-13.6% YoY
-6.4% QoQ
|
-8.67% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.08%
-52.0% YoY
+53.0% QoQ
|
-0.42% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
82% |
| 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 ? |
0.77%
-0.6% YoY
+32.0% QoQ
|
+0.03% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#145 of 371 · Top 39% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.74%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
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
84
84th pctile
Return on Assets
Current: 1.74% · Tier avg: 1.16%
82
82th pctile
Net Interest Margin
Current: 4.34% · Tier avg: 3.66%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
81
81th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
75
75th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.74%
54
54th pctile
Efficiency Ratio
Current: 60.81% · Tier avg: 62.63%
52
52th pctile
Loan-to-Deposit Ratio
Current: 85.54% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
18
18th pctile
Total Loans
Current: $423.6M · Tier avg: $975.5M
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.38% · Tier avg: 21.05%
12
12th pctile
Total Deposits
Current: $495.2M · Tier avg: $1.2B
9
9th pctile
Total Assets
Current: $557.1M · Tier avg: $1.4B
Top Weaknesses
9
9th pctile
Total Assets
Current: $557.1M · Tier avg: $1.4B
12
12th pctile
Total Deposits
Current: $495.2M · Tier avg: $1.2B
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.38% · Tier avg: 21.05%
18
18th pctile
Total Loans
Current: $423.6M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
52
52th pctile
Loan-to-Deposit Ratio
Current: 85.54% · Tier avg: 83.06%
54
54th pctile
Efficiency Ratio
Current: 60.81% · Tier avg: 62.63%
75
75th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.74%
81
81th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
82
82th pctile
Net Interest Margin
Current: 4.34% · Tier avg: 3.66%
84
84th pctile
Return on Assets
Current: 1.74% · Tier avg: 1.16%