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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Fremont, NE · FDIC certificate #17639
RVR BANK is an FDIC-insured institution based in Fremont, NE (FDIC certificate #17639). In its Q3 2026 Call Report it reported total assets of $601M, total deposits of $541M and net loans of $448M. Its primary federal regulator is FDIC.
Plain-language readout
RVR BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $601M in Q3 2026 and were lowest at $554M in Q1 2026.
Total deposits were highest at $541M in Q3 2026 and lowest at $493M in Q1 2026.
Over the whole period total assets rose 8.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $601M | $541M | $448M | 2.00% | 19.76% | 4.48% |
| Q2 2026 | $570M | $506M | $431M | 2.00% | 19.22% | 4.48% |
| Q1 2026 | $554M | $493M | $416M | 1.81% | 17.35% | 4.42% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $22.9M | $23.9M | -$1.0M | -4.3% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $83.0M | $81.3M | +$1.6M | +2.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $1.0M | $747K | +$271K | +36.3% |
| Net loans and leases (after allowance) | $429.7M | $415.2M | +$14.5M | +3.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $10.6M | $10.0M | +$580K | +5.8% |
| 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) | $9.1M | $9.1M | -$18K | -0.2% |
| All other assets | $13.9M | $14.0M | -$67K | -0.5% |
| Total assets | $570.2M | $554.3M | +$15.9M | +2.9% |
| Liabilities | ||||
| Total deposits | $506.5M | $493.4M | +$13.1M | +2.6% |
| 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 | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.2M | $3.3M | +$836K | +25.1% |
| Total liabilities | $510.6M | $496.7M | +$13.9M | +2.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.6M | $1.6M | $0K | 0.0% |
| Surplus | $23.7M | $23.7M | $0K | 0.0% |
| Retained earnings | $37.3M | $35.9M | +$1.4M | +3.9% |
| Accumulated other comprehensive income | -$3.1M | -$3.7M | +$612K | +16.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $59.5M | $57.5M | +$2.0M | +3.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $691K | $818K | -$127K | -15.5% |
| Adjusted nonperforming assets | $691K | $818K | -$127K | -15.5% |
| Tangible equity plus allowance | $57.5M | $55.5M | +$2.0M | +3.6% |
| Texas ratio (gross) | 1.20% | 1.47% | -0.27 pts | See points |
| Texas ratio (adjusted) | 1.20% | 1.47% | -0.27 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.37% | 1.56% | +0.81 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) | 9.77% | 9.55% | +0.21 pts | See points |
| Construction and land loans to total capital | 60.20% | 55.17% | +5.03 pts | See points |
| Commercial real estate to total capital | 208.20% | 180.52% | +27.69 pts | See points |
| Dividend payout, year to date | 73.74% | 96.45% | -22.71 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -5.80% | -7.13% | +1.33 pts | See points |
| Liquidity | ||||
| Core deposits | $474.3M | $458.3M | +$16.0M | +3.5% |
| Non-core funding | $32.1M | $35.1M | -$3.0M | -8.5% |
| Loans to core deposits | 92.08% | 92.13% | -0.05 pts | See points |
| Loans to deposits | 86.23% | 85.57% | +0.66 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 63.58% | 64.97% | -1.39 pts | See points |
| Loans pledged, share of loans | 57.86% | 52.64% | +5.23 pts | See points |
| Volatile liabilities | $32.1M | $35.1M | -$3.0M | -8.5% |
| Earnings | ||||
| Earnings before provision, year to date | $5.8M | $2.6M | +$3.1M | +118.7% |
| Earnings before provision, single quarter | $3.1M | $2.6M | +$495K | +18.7% |
| Provision for credit losses, year to date | $100K | $100K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.67% | 6.53% | +0.15 pts | See points |
| Yield on interest-bearing balances due from banks | 3.70% | 3.69% | +0.01 pts | See points |
| Total interest income to average assets | 5.68% | 5.57% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 1.28% | 1.36% | -0.08 pts | See points |
| Cost of savings and money market deposits | 2.35% | 2.30% | +0.05 pts | See points |
| Cost of time deposits | 3.38% | 3.39% | -0.01 pts | See points |
| Total interest expense to average assets | 1.45% | 1.50% | -0.05 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 | $601M | $541M | $448M | 2.00% | 19.76% | 4.48% |
| 2026-06-30 | $570M | $506M | $431M | 2.00% | 19.22% | 4.48% |
| 2026-03-31 | $554M | $493M | $416M | 1.81% | 17.35% | 4.42% |
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 |
|---|---|---|---|---|
| NE | $494M | 0.53% | 34 | Continuing · +0.04 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.