BlastPoint's Banking Scorecard
Riverland Bank
Micro
Specialty: Commercial
MN
FDIC cert 58106
Designations: ✓ Community bank
Jordan, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Riverland Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 30.00% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$229.3M
+8.3% YoY
+4.5% QoQ
|
+$11.8M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$204.9M
+8.6% YoY
+4.1% QoQ
|
+$65.7M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$196.0M
+12.3% YoY
+5.2% QoQ
|
+$12.4M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
0.48%
+68.0% YoY
-10.4% QoQ
|
-0.60% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
3.45%
+12.4% YoY
+0.6% QoQ
|
-0.40% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
82.35%
-8.5% YoY
-0.9% QoQ
|
+14.62% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
0.45%
-2.4% YoY
-49.8% QoQ
|
-0.19% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
104.52%
-3.3% YoY
-1.0% QoQ
|
+30.00% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.07%
-3.3% YoY
+13.4% QoQ
|
-7.32% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.40%
-38.2% YoY
-50.0% QoQ
|
-0.05% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.06%
-40.5% YoY
+34.0% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
104.52%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 0.56%, 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
94
94th pctile
Loan-to-Deposit Ratio
Current: 104.52% · Tier avg: 74.53%
75
75th pctile
Total Loans
Current: $204.9M · Tier avg: $139.2M
58
58th pctile
Total Deposits
Current: $196.0M · Tier avg: $183.7M
58
58th pctile
Total Assets
Current: $229.3M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.64%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.45%
31
31th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.85%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 15.07% · Tier avg: 22.39%
18
18th pctile
Return on Assets
Current: 0.48% · Tier avg: 1.08%
17
17th pctile
Efficiency Ratio
Current: 82.35% · Tier avg: 67.73%
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
17
17th pctile
Efficiency Ratio
Current: 82.35% · Tier avg: 67.73%
18
18th pctile
Return on Assets
Current: 0.48% · Tier avg: 1.08%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 15.07% · Tier avg: 22.39%
31
31th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.85%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.45%
47
47th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Total Assets
Current: $229.3M · Tier avg: $217.5M
58
58th pctile
Total Deposits
Current: $196.0M · Tier avg: $183.7M
75
75th pctile
Total Loans
Current: $204.9M · Tier avg: $139.2M
94
94th pctile
Loan-to-Deposit Ratio
Current: 104.52% · Tier avg: 74.53%