BlastPoint's Banking Scorecard
Riverside Bank of Dublin
Micro
Specialty: Commercial
OH
FDIC cert 59199
Designations: ✓ Community bank
Dublin, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Riverside Bank of Dublin faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.16% below tier
- - Non-Interest-Bearing Deposit Share 17.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$259.5M
+18.1% YoY
+10.5% QoQ
|
+$42.0M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$221.8M
+23.9% YoY
+5.1% QoQ
|
+$82.7M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$228.8M
+19.7% YoY
+11.4% QoQ
|
+$45.2M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
0.49%
+329.4% YoY
+54.4% QoQ
|
-0.59% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
2.69%
+27.0% YoY
+4.0% QoQ
|
-1.16% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
73.66%
-19.4% YoY
-6.5% QoQ
|
+5.93% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? | 0.17% | -0.47% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
96.93%
+3.6% YoY
-5.6% QoQ
|
+22.41% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.85%
+33.7% YoY
-20.5% QoQ
|
-17.54% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? | 0.14% | -0.31% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.28%
+7.4% YoY
+154.0% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.69%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
4.85%
(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
88
88th pctile
Loan-to-Deposit Ratio
Current: 96.93% · Tier avg: 74.53%
79
79th pctile
Total Loans
Current: $221.8M · Tier avg: $139.2M
66
66th pctile
Total Deposits
Current: $228.8M · Tier avg: $183.7M
65
65th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
64
64th pctile
Total Assets
Current: $259.5M · Tier avg: $217.5M
62
62th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
32
32th pctile
Efficiency Ratio
Current: 73.66% · Tier avg: 67.73%
18
18th pctile
Return on Assets
Current: 0.49% · Tier avg: 1.08%
8
8th pctile
Net Interest Margin
Current: 2.69% · Tier avg: 3.85%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.85% · Tier avg: 22.39%
Top Weaknesses
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.85% · Tier avg: 22.39%
8
8th pctile
Net Interest Margin
Current: 2.69% · Tier avg: 3.85%
18
18th pctile
Return on Assets
Current: 0.49% · Tier avg: 1.08%
32
32th pctile
Efficiency Ratio
Current: 73.66% · Tier avg: 67.73%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
64
64th pctile
Total Assets
Current: $259.5M · Tier avg: $217.5M
65
65th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
66
66th pctile
Total Deposits
Current: $228.8M · Tier avg: $183.7M
79
79th pctile
Total Loans
Current: $221.8M · Tier avg: $139.2M
88
88th pctile
Loan-to-Deposit Ratio
Current: 96.93% · Tier avg: 74.53%