BlastPoint's Banking Scorecard
Riverview Bank
Community
Specialty: Commercial
WA
FDIC cert 29922
Vancouver, WA
1484
banks in Community tier nationally
15 in WA
View Community leaderboard (WA) →
Riverview Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 8% in Community
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 7% in Community
- - Credit Risk Growth: Bottom 11% in Community
- - Credit Quality Pressure: Bottom 13% in Community
- - Efficiency Drag: Bottom 68% in Community
- - Return on Assets 0.75% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+0.3% YoY
+0.2% QoQ
|
+$118.4M |
$1.4B
+2.0% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$1.1B
+3.9% YoY
+1.4% QoQ
|
+$94.4M |
$975.5M
+2.4% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$1.2B
+1.1% YoY
-0.4% QoQ
|
+$74.5M |
$1.2B
+1.7% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
0.42%
+165.5% YoY
+2.8% QoQ
|
-0.75% |
1.16%
+17.2% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
2.98%
+11.1% YoY
+2.2% QoQ
|
-0.69% |
3.66%
+9.1% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
85.11%
-4.6% YoY
-0.6% QoQ
|
+22.48% |
62.63%
-5.3% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.11%
+132.2% YoY
+43.4% QoQ
|
-0.52% |
0.63%
+18.3% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
86.34%
+2.8% YoY
+1.8% QoQ
|
+3.28% |
83.06%
+0.3% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
24.00%
-8.1% YoY
-7.8% QoQ
|
+2.95% |
21.05%
-0.9% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.07%
+140.6% YoY
+45.2% QoQ
|
-0.42% |
0.50%
+20.3% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
15.09%
-0.8% YoY
-1.1% QoQ
|
+4.85% |
10.24%
-0.6% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.96%
+4.8% YoY
+31.3% QoQ
|
+0.22% |
0.74%
-1.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
85% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#31 of 371 · Top 8% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.11%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (5)
Flatlined Growth
risk
#19 of 245 · Bottom 7% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.42%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Credit Risk Growth
risk
#70 of 642 · Bottom 11% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Credit Quality Pressure
risk
#105 of 808 · Bottom 13% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.11%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Efficiency Drag
risk
#103 of 152 · Bottom 68% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
85.11%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.42%
(Tier avg: 1.16%, National avg: 1.12%)
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
85
85th pctile
Non-Interest Income / Assets
Current: 0.96% · Tier avg: 0.74%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
81
81th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.09% · Tier avg: 10.24%
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.00% · Tier avg: 21.05%
55
55th pctile
Loan-to-Deposit Ratio
Current: 86.34% · Tier avg: 83.06%
17
17th pctile
Net Interest Margin
Current: 2.98% · Tier avg: 3.66%
9
9th pctile
Return on Assets
Current: 0.42% · Tier avg: 1.16%
6
6th pctile
Efficiency Ratio
Current: 85.11% · Tier avg: 62.63%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 85.11% · Tier avg: 62.63%
9
9th pctile
Return on Assets
Current: 0.42% · Tier avg: 1.16%
17
17th pctile
Net Interest Margin
Current: 2.98% · Tier avg: 3.66%
55
55th pctile
Loan-to-Deposit Ratio
Current: 86.34% · Tier avg: 83.06%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.00% · Tier avg: 21.05%
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
77
77th pctile
Tier 1 Capital Ratio
Current: 15.09% · Tier avg: 10.24%
81
81th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
85
85th pctile
Non-Interest Income / Assets
Current: 0.96% · Tier avg: 0.74%