BlastPoint's Banking Scorecard

Riverside Bank

Micro Specialty: Consumer AR FDIC cert 93

Designations: ✓ Community bank

Sparkman, AR

2498 banks in Micro tier nationally 40 in AR

View Micro leaderboard (AR) →

Riverside Bank 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

Get updates when Riverside Bank releases new data →

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$71.8M +16.0% YoY -0.9% QoQ	-$145.7M	$217.5M +2.3% YoY	$2.3B +2.4% YoY	$5.9B +6.5% YoY	Bottom 13% in tier
Total Loans ?	$55.4M +9.3% YoY -1.8% QoQ	-$83.8M	$139.2M +2.8% YoY	$1.6B +6.2% YoY	$3.1B +8.5% YoY	23%
Total Deposits ?	$60.1M +13.1% YoY +0.3% QoQ	-$123.6M	$183.7M +1.8% YoY	$1.9B +3.0% YoY	$4.7B +6.3% YoY	Bottom 14% in tier
Return on Assets ?	0.90% -39.8% YoY -3.6% QoQ	-0.19%	1.08% +14.7% YoY	1.19% +9.0% YoY	1.12% +15.6% YoY	39%
Net Interest Margin ?	4.67% +14.0% YoY +0.6% QoQ	+0.82%	3.85% +6.6% YoY	4.00% +8.5% YoY	3.75% +7.1% YoY	84%
Efficiency Ratio ?	69.91% +7.5% YoY +0.7% QoQ	+2.19%	67.73% -4.8% YoY	63.04% -5.8% YoY	65.09% -5.1% YoY	40%
Delinquency Rate ?	0.05% -17.6% YoY -5.2% QoQ	-0.59%	0.64% +24.4% YoY	0.91% +44.6% YoY	0.66% +20.3% YoY	75%
Loan-to-Deposit Ratio ?	92.21% -3.4% YoY -2.1% QoQ	+17.68%	74.53% +0.5% YoY	80.90% +1.0% YoY	78.04% +0.7% YoY	81%
Non-Interest-Bearing Deposit Share ?	16.76% +48.7% YoY +36.3% QoQ	-5.63%	22.39% -1.3% YoY	19.14% -0.5% YoY	21.79% -1.3% YoY	29%
Nonperforming Asset Ratio ?	0.04% -22.4% YoY -6.0% QoQ	-0.41%	0.45% +25.1% YoY	0.66% +38.2% YoY	0.48% +20.8% YoY	76%
Tier 1 Capital Ratio ?	16.37% +32.0% YoY +0.9% QoQ	+7.52%	8.85% -3.4% YoY	7.07% -13.2% YoY	9.75% -1.9% YoY	77%
Non-Interest Income / Assets ?	0.39% -3.1% YoY +40.2% QoQ	-0.17%	0.56% +0.3% YoY	0.76% -21.3% YoY	0.65% +0.6% YoY	55%

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

Net Interest Margin

Current: 4.67% · Tier avg: 3.85%

84th pctile

Loan-to-Deposit Ratio

Current: 92.21% · Tier avg: 74.53%

81th pctile

Tier 1 Capital Ratio

Current: 16.37% · Tier avg: 8.85%

77th pctile

Nonperforming Asset Ratio

Current: 0.04% · Tier avg: 0.45%

76th pctile

Delinquency Rate

Current: 0.05% · Tier avg: 0.64%

75th pctile

Non-Interest Income / Assets

Current: 0.39% · Tier avg: 0.56%

55th pctile

Efficiency Ratio

Current: 69.91% · Tier avg: 67.73%

40th pctile

Return on Assets

Current: 0.90% · Tier avg: 1.08%

39th pctile

Non-Interest-Bearing Deposit Share

Current: 16.76% · Tier avg: 22.39%

29th pctile

Total Loans

Current: $55.4M · Tier avg: $139.2M

23th pctile

Total Deposits

Current: $60.1M · Tier avg: $183.7M

14th pctile

Total Assets

Current: $71.8M · Tier avg: $217.5M

13th pctile

Top Weaknesses