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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Pocahontas, AR · FDIC certificate #31711
RIVERBANK is an FDIC-insured institution based in Pocahontas, AR (FDIC certificate #31711). In its Q3 2026 Call Report it reported total assets of $192M, total deposits of $166M and net loans of $143M. Its primary federal regulator is FDIC.
Plain-language readout
RIVERBANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $192M in Q3 2026 and were lowest at $165M in Q1 2026.
Total deposits were highest at $166M in Q3 2026 and lowest at $143M in Q1 2026.
Over the whole period total assets rose 16.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $192M | $166M | $143M | 1.36% | 11.86% | 4.00% |
| Q2 2026 | $174M | $150M | $134M | 1.23% | 10.56% | 3.94% |
| Q1 2026 | $165M | $143M | $125M | 1.43% | 12.16% | 4.18% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $5.7M | $7.3M | -$1.6M | -21.4% |
| Federal funds sold | $5.4M | $6.2M | -$800K | -12.9% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $17.7M | $15.3M | +$2.3M | +15.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $134.3M | $124.7M | +$9.6M | +7.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.7M | $4.7M | -$63K | -1.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $199K | $199K | $0K | 0.0% |
| All other assets | $6.5M | $6.3M | +$160K | +2.5% |
| Total assets | $174.4M | $164.8M | +$9.7M | +5.9% |
| Liabilities | ||||
| Total deposits | $150.4M | $142.8M | +$7.6M | +5.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $3.0M | $1.5M | +$1.5M | +100.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $997K | $902K | +$95K | +10.5% |
| Total liabilities | $154.4M | $145.2M | +$9.2M | +6.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $6.1M | $6.1M | $0K | 0.0% |
| Retained earnings | $14.2M | $13.7M | +$444K | +3.2% |
| Accumulated other comprehensive income | -$176K | -$212K | +$36K | +17.0% |
| Other equity components | -$42K | -$42K | $0K | 0.0% |
| Total equity capital | $20.0M | $19.6M | +$480K | +2.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $4.7M | $1.8M | +$2.9M | +162.1% |
| Adjusted nonperforming assets | $2.2M | $1.1M | +$1.1M | +106.2% |
| Tangible equity plus allowance | $21.9M | $21.3M | +$600K | +2.8% |
| Texas ratio (gross) | 21.32% | 8.36% | +12.95 pts | See points |
| Texas ratio (adjusted) | 10.09% | 5.03% | +5.06 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 10.09% | 5.03% | +5.06 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.18% | 12.24% | -0.06 pts | See points |
| Construction and land loans to total capital | 56.72% | 106.22% | -49.49 pts | See points |
| Commercial real estate to total capital | 85.71% | 132.26% | -46.55 pts | See points |
| Dividend payout, year to date | 0.00% | 0.17% | -0.17 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.28% | -1.55% | +0.26 pts | See points |
| Liquidity | ||||
| Core deposits | $123.9M | $125.1M | -$1.1M | -0.9% |
| Non-core funding | $29.5M | $19.2M | +$10.2M | +53.1% |
| Loans to core deposits | 109.97% | 101.21% | +8.77 pts | See points |
| Loans to deposits | 90.63% | 88.63% | +2.00 pts | See points |
| Brokered deposits share of deposits | 11.88% | 5.42% | +6.46 pts | See points |
| Pledged securities share of securities | 77.43% | 83.38% | -5.94 pts | See points |
| Loans pledged, share of loans | 36.29% | 40.42% | -4.13 pts | See points |
| Volatile liabilities | $53.0M | $42.1M | +$10.8M | +25.8% |
| Earnings | ||||
| Earnings before provision, year to date | $1.5M | $834K | +$691K | +82.9% |
| Earnings before provision, single quarter | $691K | $834K | -$143K | -17.1% |
| Provision for credit losses, year to date | $246K | $124K | +$122K | +98.4% |
| Yield and cost | ||||
| Yield on loans and leases | 6.94% | 7.41% | -0.47 pts | See points |
| Yield on interest-bearing balances due from banks | 4.74% | 4.80% | -0.06 pts | See points |
| Total interest income to average assets | 6.02% | 6.38% | -0.36 pts | See points |
| Cost of interest-bearing transaction accounts | 2.63% | 2.61% | +0.03 pts | See points |
| Cost of savings and money market deposits | 2.46% | 1.37% | +1.09 pts | See points |
| Cost of time deposits | 3.71% | 3.72% | -0.01 pts | See points |
| Total interest expense to average assets | 2.47% | 2.47% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $192M | $166M | $143M | 1.36% | 11.86% | 4.00% |
| 2026-06-30 | $174M | $150M | $134M | 1.23% | 10.56% | 3.94% |
| 2026-03-31 | $165M | $143M | $125M | 1.43% | 12.16% | 4.18% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AR | $136.8M | 0.13% | 82 | Continuing · +0.03 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.