BlastPoint's Banking Scorecard
Riverside Savings Bank, SSB
Micro
Specialty: Commercial
NC
FDIC cert 28314
Designations: ✓ Community bank ✓ Mutual
Roanoke Rapids, NC
2498
banks in Micro tier nationally
18 in NC
View Micro leaderboard (NC) →
Riverside Savings Bank, SSB faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 17.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$94.2M
+1.6% YoY
+1.7% QoQ
|
-$123.3M |
$217.5M
+2.3% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$58.2M
+6.9% YoY
+3.8% QoQ
|
-$81.0M |
$139.2M
+2.8% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$71.1M
-0.7% YoY
+2.2% QoQ
|
-$112.5M |
$183.7M
+1.8% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
0.23%
+201.3% YoY
-8.9% QoQ
|
-0.85% |
1.08%
+14.7% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
3.01%
+7.0% YoY
+0.6% QoQ
|
-0.84% |
3.85%
+6.6% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
88.03%
-21.2% YoY
-0.0% QoQ
|
+20.30% |
67.73%
-4.8% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.13%
+875.8% YoY
+778.9% QoQ
|
-0.51% |
0.64%
+24.4% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
81.79%
+7.7% YoY
+1.6% QoQ
|
+7.27% |
74.53%
+0.5% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
4.92%
+19.9% YoY
+23.6% QoQ
|
-17.47% |
22.39%
-1.3% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.08%
+926.3% YoY
+796.9% QoQ
|
-0.37% |
0.45%
+25.1% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.39%
+5.7% YoY
+25.2% QoQ
|
-0.18% |
0.56%
+0.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
4.92%
(Tier avg: 22.39%, National avg: 21.79%)
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
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
68
68th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.64%
54
54th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Loan-to-Deposit Ratio
Current: 81.79% · Tier avg: 74.53%
24
24th pctile
Total Loans
Current: $58.2M · Tier avg: $139.2M
21
21th pctile
Total Assets
Current: $94.2M · Tier avg: $217.5M
18
18th pctile
Total Deposits
Current: $71.1M · Tier avg: $183.7M
17
17th pctile
Net Interest Margin
Current: 3.01% · Tier avg: 3.85%
11
11th pctile
Return on Assets
Current: 0.23% · Tier avg: 1.08%
11
11th pctile
Efficiency Ratio
Current: 88.03% · Tier avg: 67.73%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.92% · Tier avg: 22.39%
Top Weaknesses
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.92% · Tier avg: 22.39%
11
11th pctile
Efficiency Ratio
Current: 88.03% · Tier avg: 67.73%
11
11th pctile
Return on Assets
Current: 0.23% · Tier avg: 1.08%
17
17th pctile
Net Interest Margin
Current: 3.01% · Tier avg: 3.85%
18
18th pctile
Total Deposits
Current: $71.1M · Tier avg: $183.7M
21
21th pctile
Total Assets
Current: $94.2M · Tier avg: $217.5M
24
24th pctile
Total Loans
Current: $58.2M · Tier avg: $139.2M
39
39th pctile
Loan-to-Deposit Ratio
Current: 81.79% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
68
68th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.64%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%