# RIVERSTONE BANK
EAGLE, NE · FDIC certificate 10641 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $593.4M | |
| Deposits | $506.0M | |
| Loans and leases | $514.2M | |
| Total equity | $56.4M | |
| Loans / deposits | 100.36% (p89 of band) | 82.04% |
| Liquid assets / assets | 10.42% (p5 of band) | |
| Uninsured deposits / deposits | 22.14% (p37 of band) | 25.97% |
| Brokered deposits | 0.85% | |
| Wholesale funding | 5.73% (p61 of band) | |
| FHLB advances / assets | 4.89% | |
| Tier 1 leverage | 9.74% (p28 of band) | 10.81% |
| Unrealized securities loss / equity | -0.42% (p91 of band) | -8.10% |
| AOCI / equity | -0.24% (p57 of band) | |
| ROA (annualized) | 1.95% (p86 of band) | 1.28% |
| Net interest margin | 4.35% (p76 of band) | 3.91% |
| Efficiency ratio | 55.79% (p33 of band) | |
| Noncurrent loans | 0.05% (p18 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p53 of band) | |
| Reserve coverage of noncurrent | 2670.04% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 96.65% (p85 of band) | |
| Auto loans | $2.4M (0.48% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 78 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 1 | liquid assets <10% | capital falling |
| 2012-12 | 0 |  | liquid assets <10% |
| 2013-03 | 0 |  |  |
| 2013-06 | 2 | liquid assets <10%, capital falling |  |
| 2013-09 | 3 | charge-offs p90, uninsured deposits leaving | capital falling |
| 2013-12 | 0 |  | liquid assets <10%, charge-offs p90, uninsured deposits leaving |
| 2014-03 | 4 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 4 | loans exceed deposits, liquid assets <10%, deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2014-12 | 5 | wholesale funding >15% |  |
| 2015-03 | 4 | capital falling | deposits shrinking, wholesale funding >15% |
| 2015-06 | 4 | wholesale funding >15% | capital falling |
| 2015-09 | 2 |  | uninsured deposits leaving, wholesale funding >15% |
| 2015-12 | 1 |  | loans exceed deposits |
| 2016-03 | 2 | loans exceed deposits |  |
| 2016-06 | 0 |  | liquid assets <10%, loans exceed deposits |
| 2016-09 | 1 | liquid assets <10% |  |
| 2016-12 | 3 | loans exceed deposits, deposits shrinking |  |
| 2017-03 | 1 |  | loans exceed deposits, deposits shrinking |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | loans exceed deposits |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | capital falling |  |
| 2018-06 | 3 | brokered >10% | capital falling |
| 2018-09 | 2 |  | loans exceed deposits |
| 2018-12 | 3 | capital falling, assets shrinking | brokered >10% |
| 2019-03 | 2 | loans exceed deposits | capital falling, assets shrinking |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 | capital falling | liquid assets <10%, loans exceed deposits |
| 2019-12 | 4 | leverage <7%, losing money, charge-offs p90 |  |
| 2020-03 | 0 |  | capital falling, leverage <7%, losing money, charge-offs p90 |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | reserve under noncurrent |
| 2021-06 | 1 | liquid assets <10% |  |
| 2021-09 | 2 | loans exceed deposits |  |
| 2021-12 | 0 |  | liquid assets <10%, loans exceed deposits |
| 2022-03 | 1 | reserve under noncurrent |  |
| 2022-06 | 0 |  | reserve under noncurrent |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | reserve under noncurrent |  |
| 2023-03 | 2 | uninsured deposits leaving |  |
| 2023-06 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2023-09 | 1 | uninsured deposits leaving |  |
| 2023-12 | 0 |  | uninsured deposits leaving |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | liquid assets <10% |  |
| 2025-03 | 0 |  | liquid assets <10% |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 | capital falling | liquid assets <10% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-14 [Riverstone Bank and PHS Teaming up for Wednesday Hot Dog Day Fundraiser - Rural Radio Network](https://news.google.com/rss/articles/CBMirAFBVV95cUxPR3JIYTlQVzJud2RtdlAwUUNVUmNaa1ZYU1o4dkxjSUxVRWRfc3RONnFDRDZYWnptTHpHN1BfX19WdnU4ZGZYN0t6aEw0SlRCOENac0w0cXBiX3NmNWZOcjJIU3dPYnVzckI0T1k3ZmgtWHlQU1FJMmVlSnJsYW5RRjVJX1NWRnJ0Um9wdkx6Z3luLUJRRU9Zakw5TUdvQTI4T283VWZ0ZXRTb1B6?oc=5) · Rural Radio Network
- 2021-11-08 [Leadership Team Announced as First State Bank and Riverstone Bank Complete Merger - Rural Radio Network](https://news.google.com/rss/articles/CBMitgFBVV95cUxNc1pKdkVOUmp5RzJhMVVjRkdYUWFqSkVDMVVqMHR2cnUtdmRQNE9rM3hJMXl2cHpmYV9TYUZ2WVBWWVRVUEZ6N1RqNGJZUGNVQWtEbHFuZXFwV1JkVXFlYVZJM3pRUWJBZFFacmpLU09NR3F5OW5feWlPUW9henhwT2ZOZmh6eno1YWdyOHA0V25oRXlrVmRBU05rbDVxOGVTS3hjcnZOOWZWMzNSamo3MGFWa0Z2QQ?oc=5) · Rural Radio Network
- 2022-10-13 [Student-Led Eagle River Bank Opens Inside Christian Community School - Rural Radio Network](https://news.google.com/rss/articles/CBMipAFBVV95cUxQbG5PbDZ1SENiNHN3S0NYUUlmTUlQbi16ZXhSOFJ5d3FET2lBdGVuSnpyaFdwYnUzQ0xhLTdjUTRPVzZQdkJoRzFYaVpYOVAtUVVzdVlEbmp6YXZXa0VaYmVJQ3A1VW5mOEcxWjNyOEs5NDVrMDNaSXJGMEt3VHlrV0RFajJfUlU3SDZsb0ZTdWtYZjE2cWhoMjJTek12aVhQQ19VUQ?oc=5) · Rural Radio Network
- 2026-05-04 [Downey Named 2026 Distinguished Citizen Honoree by Scouts Adventure West Council - Rural Radio Network](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOVmVITkNJWG00akF6amlPWEFMaEQtVWJIZ3VfUGR3VFY2OTg3Um91Qm1sWW1OMGM3YVE1Y2ktZlpUdlNIS3hYakVLREI1VlNNYTVZVVZKZUhDdWZpZ3Bsck9ZbE5vMlcwQzcxY1o3UDdGeWdLMGt2Z29iTG9tbno0dXhpUnFkMlZ2aC1TNEJ5SUpzamdLN0JTMUNlRFZ2STNzcHczRVNuZVQwNnBBNG10SkNHWmJFUlVh?oc=5) · Rural Radio Network
- 2021-06-22 [Riverstone Bank and First State Bank Scottsbluff Announce Merger Plans - Rural Radio Network](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPRXRnRzNDXzRGT2l6NHM4cEk1NkxPYXB2LUE1ZGNTdWVhV204NXN4UmpQNjV4NDE5bGhhYnJWQWNwcjMtRHFaRVY0SzZiUGdrRHFxQVNoWUhXaWE3NWg3YXl4YUtxcnpHS3pVN3RSTDVZcGhZZU9aQmk2MzJfVVVqbTlyZl81Y3dfWmxlNXF2Y2hyRkpwUUFRRXMtM3NWcVhKRGVIVU9OUjNKLVE?oc=5) · Rural Radio Network
- 2026-07-16 [National Hot Dog Day at Riverstone Bank Raises Funds for PHS - Rural Radio Network](https://news.google.com/rss/articles/CBMimgFBVV95cUxPT1RmOFBMTUM3TkFJMFZHZEVaUkRNbUpZbHZuTS1Mdl9rT25odkM4djQxZmk0ek1MUm5RTmxXdVlhNzd2YldQbmlmUDJ1RV9MV1ZaMXZpcjR1RDVwbm0wMWxGa2lSaUo0MkRlS0RpaV9RNEd5TnZBT0ItbWJZOUtHcmNoYzJEZzZpRDJWSEVwdjBRNWwwdzlramxB?oc=5) · Rural Radio Network
- 2023-12-07 [Riverstone Bank’s Truck of Love Set for Saturday to Conclude Gift of Love Campaign - Rural Radio Network](https://news.google.com/rss/articles/CBMitgFBVV95cUxPQk5za21PYS1ISjZoSEItR29ZMzlBcFB5UVRYZ0UzajNqSnFNWEVIVkN2YzItVDE5SE9HbldKTEduYXNyR0F0bG5ZdzdXbUNDbU42STdlc1lHTXdmTzlJTDhQb2FzeUY3NDNnT0dRaUstYWE3b0lGc1MwS0lnMktleVRJLU90WnpEZE1HbGlaT1ZyLUI0a0pobXRHeTNsZlg0cTIyNl9nYUpHNHZ6STdKOFlUM2lTdw?oc=5) · Rural Radio Network

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10641 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/17.json (key "10641", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide