BlastPoint's Banking Scorecard

RiverBank

Micro Specialty: Commercial WA FDIC cert 58322

Designations: ✓ Community bank

Spokane, WA

2498 banks in Micro tier nationally 11 in WA

View Micro leaderboard (WA) →

RiverBank shows stable performance across key metrics

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

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 (WA)	National Avg	Tier Percentile
Total Assets ?	$292.7M +11.6% YoY +5.6% QoQ	+$75.2M	$217.5M +2.3% YoY	$3.0B +0.9% YoY	$5.9B +6.5% YoY	71%
Total Loans ?	$230.6M +6.1% YoY -1.2% QoQ	+$91.4M	$139.2M +2.8% YoY	$2.1B +0.7% YoY	$3.1B +8.5% YoY	81%
Total Deposits ?	$257.4M +8.9% YoY +3.8% QoQ	+$73.7M	$183.7M +1.8% YoY	$2.5B +2.4% YoY	$4.7B +6.3% YoY	73%
Return on Assets ?	1.32% +58.5% YoY -3.4% QoQ	+0.24%	1.08% +14.7% YoY	0.73% +12.9% YoY	1.12% +15.6% YoY	66%
Net Interest Margin ?	4.64% +9.8% YoY +1.8% QoQ	+0.79%	3.85% +6.6% YoY	3.82% +5.9% YoY	3.75% +7.1% YoY	83%
Efficiency Ratio ?	62.87% -12.1% YoY +2.8% QoQ	-4.86%	67.73% -4.8% YoY	71.57% -0.7% YoY	65.09% -5.1% YoY	59%
Delinquency Rate ?	0.48% -9.1% YoY +1.2% QoQ	-0.16%	0.64% +24.4% YoY	0.58% +11.6% YoY	0.66% +20.3% YoY	46%
Loan-to-Deposit Ratio ?	89.58% -2.6% YoY -4.9% QoQ	+15.06%	74.53% +0.5% YoY	86.62% +0.7% YoY	78.04% +0.7% YoY	24%
Non-Interest-Bearing Deposit Share ?	36.08% -17.3% YoY -17.4% QoQ	+13.69%	22.39% -1.3% YoY	25.62% -3.7% YoY	21.79% -1.3% YoY	Top 11% in tier
Nonperforming Asset Ratio ?	0.38% -13.6% YoY -5.4% QoQ	-0.07%	0.45% +25.1% YoY	0.45% +3.2% YoY	0.48% +20.8% YoY	44%
Tier 1 Capital Ratio ?	0.00%	-8.85%	8.85% -3.4% YoY	9.41% -4.6% YoY	9.75% -1.9% YoY	51%
Non-Interest Income / Assets ?	0.51% +126.2% YoY +4.7% QoQ	-0.05%	0.56% +0.3% YoY	0.77% +3.5% YoY	0.65% +0.6% YoY	70%

Signature Analysis

Strengths (0)

No strengths identified

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%

Compare against:

Comparing against 2498 peers in Micro tier

Top Strengths

Non-Interest-Bearing Deposit Share

Current: 36.08% · Tier avg: 22.39%

89th pctile

Net Interest Margin

Current: 4.64% · Tier avg: 3.85%

83th pctile

Total Loans

Current: $230.6M · Tier avg: $139.2M

81th pctile

Total Deposits

Current: $257.4M · Tier avg: $183.7M

73th pctile

Total Assets

Current: $292.7M · Tier avg: $217.5M

71th pctile

Non-Interest Income / Assets

Current: 0.51% · Tier avg: 0.56%

70th pctile

Return on Assets

Current: 1.32% · Tier avg: 1.08%

66th pctile

Efficiency Ratio

Current: 62.87% · Tier avg: 67.73%

59th pctile

Tier 1 Capital Ratio

Current: 0.00% · Tier avg: 8.85%

51th pctile

Delinquency Rate

Current: 0.48% · Tier avg: 0.64%

46th pctile

Nonperforming Asset Ratio

Current: 0.38% · Tier avg: 0.45%

44th pctile

Loan-to-Deposit Ratio

Current: 89.58% · Tier avg: 74.53%

24th pctile

Top Weaknesses