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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Sparkman, AR · FDIC certificate #93
RIVERSIDE BANK is an FDIC-insured institution based in Sparkman, AR (FDIC certificate #93). In its Q3 2026 Call Report it reported total assets of $75M, total deposits of $61M and net loans of $63M. Its primary federal regulator is FDIC.
Plain-language readout
RIVERSIDE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $75M in Q3 2026 and were lowest at $70M in Q1 2026.
Total deposits were highest at $61M in Q3 2026 and lowest at $57M in Q2 2026.
Over the whole period total assets rose 7.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $75M | $61M | $63M | 1.19% | 7.42% | 5.00% |
| Q2 2026 | $74M | $57M | $62M | 1.12% | 6.93% | 4.99% |
| Q1 2026 | $70M | $58M | $57M | 0.84% | 5.19% | 4.87% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $612K | $557K | +$55K | +9.9% |
| Federal funds sold | $1.7M | $3.2M | -$1.5M | -48.0% |
| 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) | $1.2M | $1.3M | -$144K | -11.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $1.1M | $2.8M | -$1.7M | -59.9% |
| Net loans and leases (after allowance) | $61.3M | $54.3M | +$7.0M | +12.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.0M | $3.0M | +$46K | +1.5% |
| 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) | $3.4M | $3.4M | -$9K | -0.3% |
| All other assets | $1.7M | $1.7M | +$11K | +0.6% |
| Total assets | $73.9M | $70.2M | +$3.7M | +5.3% |
| Liabilities | ||||
| Total deposits | $56.6M | $58.2M | -$1.6M | -2.7% |
| 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 | $5.0M | $0K | +$5.0M | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $453K | $400K | +$53K | +13.3% |
| Total liabilities | $62.1M | $58.6M | +$3.5M | +5.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1K | $1K | $0K | 0.0% |
| Surplus | $10.8M | $10.8M | $0K | 0.0% |
| Retained earnings | $1.0M | $768K | +$253K | +32.9% |
| Accumulated other comprehensive income | -$5K | -$6K | +$1K | +16.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $11.8M | $11.6M | +$254K | +2.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $25K | $24K | +$1K | +4.2% |
| Adjusted nonperforming assets | $25K | $24K | +$1K | +4.2% |
| Tangible equity plus allowance | $8.6M | $8.3M | +$305K | +3.7% |
| Texas ratio (gross) | 0.29% | 0.29% | +0.00 pts | See points |
| Texas ratio (adjusted) | 0.29% | 0.29% | +0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.28% | 3.45% | -0.18 pts | See points |
| Tier 1 capital to risk-weighted assets | 15.19% | 16.04% | -0.85 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 15.19% | 16.04% | -0.85 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.33% | 0.28% | +0.05 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.52% | 16.32% | -0.80 pts | See points |
| Tier 1 leverage (approximate) | 12.29% | 11.74% | +0.54 pts | See points |
| Construction and land loans to total capital | 54.37% | 43.11% | +11.26 pts | See points |
| Commercial real estate to total capital | 108.77% | 99.60% | +9.16 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.08% | -0.10% | +0.01 pts | See points |
| Liquidity | ||||
| Core deposits | $50.9M | $52.5M | -$1.6M | -3.1% |
| Non-core funding | $10.8M | $5.7M | +$5.1M | +89.2% |
| Loans to core deposits | 120.76% | 103.61% | +17.14 pts | See points |
| Loans to deposits | 108.49% | 93.50% | +14.99 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 12.44% | 10.99% | +1.44 pts | See points |
| Loans pledged, share of loans | 8.14% | 0.00% | +8.14 pts | See points |
| Volatile liabilities | $12.5M | $5.7M | +$6.8M | +119.9% |
| Earnings | ||||
| Earnings before provision, year to date | $591K | $235K | +$356K | +151.5% |
| Earnings before provision, single quarter | $356K | $235K | +$121K | +51.5% |
| Provision for credit losses, year to date | $83K | $42K | +$41K | +97.6% |
| Yield and cost | ||||
| Yield on loans and leases | 8.28% | 8.02% | +0.25 pts | See points |
| Yield on interest-bearing balances due from banks | Not reported | 0.00% | Not reported | See points |
| Total interest income to average assets | 6.95% | 6.49% | +0.46 pts | See points |
| Cost of interest-bearing transaction accounts | Not reported | Not reported | Not reported | See points |
| Cost of savings and money market deposits | 2.84% | 2.82% | +0.03 pts | See points |
| Cost of time deposits | 3.90% | 3.92% | -0.02 pts | See points |
| Total interest expense to average assets | 2.40% | 2.33% | +0.08 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 | $75M | $61M | $63M | 1.19% | 7.42% | 5.00% |
| 2026-06-30 | $74M | $57M | $62M | 1.12% | 6.93% | 4.99% |
| 2026-03-31 | $70M | $58M | $57M | 0.84% | 5.19% | 4.87% |
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 | $59.5M | 0.06% | 97 | Continuing · +0.01 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.