Riverbank (FDIC #31711): Bank Stress & Real-Estate Credit Exposure

Riverbank (FDIC Cert #31711): bank stress 61/100, elevated, STABLE over 7 days; parent RIVERBANK BANCSHARES INC.

Riverbank (#31711) lends in 3 counties across 1 state; Riverbank (#31711) reaches 28 ZIP codes: Arkansas 3 counties, 28 ZIPs.

Riverbank (#31711) largest markets: Clay County, AR (13 branches, 13 ZIPs) (#31711), Randolph County, AR (22 branches, 11 ZIPs) (#31711), Greene County, AR (9 branches, 9 ZIPs) (#31711).

Riverbank (#31711) reports $174.4 million in total assets; Riverbank (#31711) equity $20.0 million (11.5% of Riverbank (#31711) assets); Riverbank (#31711) domestic deposits $150.4 million; Riverbank (#31711) net income $1.0 million; Riverbank (#31711) return on assets 1.23%; Riverbank (#31711) return on equity 10.56%; Riverbank (#31711) net interest income $3.0 million; Riverbank (#31711) call report June 30, 2026.

Riverbank (#31711) noncurrent real-estate loans: none reported; Riverbank (#31711) net charge-offs on real estate 3.09%; Riverbank (#31711) residential charge-offs 5.65%.

Riverbank (#31711) net interest margin 3.94% against an eight-quarter Riverbank (#31711) average of 4.06% (Riverbank (#31711) compression 0.12 points); Riverbank (#31711) non-residential real estate 565.0% of equity; Riverbank (#31711) rate-exposure score 40/100, Riverbank (#31711) fixed-rate trap 40/100; Riverbank (#31711) risk type credit driven; Riverbank (#31711) rate regime rates elevated, Riverbank (#31711) snapshot October 19, 2026.

Riverbank (#31711) stress score moved from 53.8 on June 22, 2026 to 60.6 on October 20, 2026; Riverbank (#31711) ranged 53.8 to 60.6 over 117 snapshots.

Riverbank (#31711) alerts: 3 counties; top Riverbank (#31711) alert scores: Corning County, AR 20 (low); Paragould County, AR 20 (low); Pocahontas County, AR 20 (low).