Rivers Edge Bank (FDIC #9935): Bank Stress & Real-Estate Credit Exposure
Rivers Edge Bank (FDIC Cert #9935): bank stress 64/100, elevated, STABLE over 7 days; parent FIRST STATE ASSOCIATES INC.
Rivers Edge Bank (#9935) lends in 4 counties across 2 states; Rivers Edge Bank (#9935) reaches 49 ZIP codes: South Dakota 3 counties, 30 ZIPs; Iowa 1 county, 19 ZIPs.
Rivers Edge Bank (#9935) largest markets: Sioux County, IA (19 branches, 19 ZIPs) (#9935), Turner County, SD (30 branches, 15 ZIPs) (#9935), Mccook County, SD (12 branches, 12 ZIPs) (#9935), Miner County, SD (9 branches, 9 ZIPs) (#9935).
Rivers Edge Bank (#9935) reports $357.1 million in total assets; Rivers Edge Bank (#9935) equity $32.5 million (9.1% of Rivers Edge Bank (#9935) assets); Rivers Edge Bank (#9935) domestic deposits $295.9 million; Rivers Edge Bank (#9935) net income $2.5 million; Rivers Edge Bank (#9935) return on assets 1.47%; Rivers Edge Bank (#9935) return on equity 16.08%; Rivers Edge Bank (#9935) net interest income $6.5 million; Rivers Edge Bank (#9935) call report June 30, 2026.
Rivers Edge Bank (#9935) noncurrent real-estate loans 0.04% of its book; Rivers Edge Bank (#9935) net charge-offs on real estate 0.33%; Rivers Edge Bank (#9935) residential charge-offs 1.14%.
Rivers Edge Bank (#9935) net interest margin 4.00% against an eight-quarter Rivers Edge Bank (#9935) average of 3.56% (Rivers Edge Bank (#9935) compression -0.44 points); Rivers Edge Bank (#9935) real-estate loans 3.6% of equity; Rivers Edge Bank (#9935) non-residential real estate 114.2% of equity; Rivers Edge Bank (#9935) rate-exposure score 40/100, Rivers Edge Bank (#9935) fixed-rate trap 40/100; Rivers Edge Bank (#9935) risk type credit driven; Rivers Edge Bank (#9935) rate regime rates elevated, Rivers Edge Bank (#9935) snapshot October 19, 2026.
Rivers Edge Bank (#9935) stress score moved from 68.4 on June 22, 2026 to 64.4 on October 19, 2026; Rivers Edge Bank (#9935) ranged 64.4 to 68.4 over 116 snapshots.
Rivers Edge Bank (#9935) alerts: 4 counties; top Rivers Edge Bank (#9935) alert scores: Bridgewater County, SD 22 (low); Hawarden County, SD 22 (low); Howard County, SD 22 (low); Parker County, SD 22 (low).