# RIVERWIND BANK
AUGUSTA, AR · FDIC certificate 15035 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $167.8M | |
| Deposits | $153.0M | |
| Loans and leases | $110.5M | |
| Total equity | $10.6M | |
| Loans / deposits | 71.32% (p46 of band) | 73.59% |
| Liquid assets / assets | 28.88% (p41 of band) | |
| Uninsured deposits / deposits | 21.11% (p54 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.09% (p12 of band) | 11.76% |
| Unrealized securities loss / equity | -61.48% (p4 of band) | -6.57% |
| AOCI / equity | -1.03% (p27 of band) | |
| ROA (annualized) | 0.81% (p30 of band) | 1.17% |
| Net interest margin | 3.81% (p44 of band) | 3.93% |
| Efficiency ratio | 70.86% (p62 of band) | |
| Noncurrent loans | 0.16% (p39 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p65 of band) | |
| Reserve coverage of noncurrent | 772.07% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 153.07% (p98 of band) | |
| Auto loans | $766,000 (0.69% of loans; DQ 1.57%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.5% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2016-03 | 1 |  | capital falling, charge-offs p90 |
| 2016-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2016-09 | 1 | reserve under noncurrent | charge-offs p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | deposits shrinking |  |
| 2020-06 | 1 | charge-offs p90 | deposits shrinking |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 0 |  | charge-offs p90, capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | uninsured deposits leaving |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | uninsured deposits leaving |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 2 |  | construction >100% equity |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 2 | AOCI drag >20% of equity |  |
| 2023-12 | 1 |  | AOCI drag >20% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 3 | capital falling, construction >100% equity |  |
| 2024-09 | 2 |  | capital falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 4 | capital falling, uninsured deposits leaving |  |
| 2026-03 | 2 |  | capital falling, uninsured deposits leaving |
| 2026-06 | 2 |  |  |

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

- 2026-07-01 [FNBC Bancorp. Inc. to purchase RiverWind Bancshares, Inc. - K8 News | Jonesboro, Arkansas](https://news.google.com/rss/articles/CBMijAFBVV95cUxNTTFTRHpXNEFZaFNZVTFHMzh3bElDSF90N2RxMTIzNzUzWmZSZVRub3hFc2UwTHNDejRqeXVjdW95YUxrbVU3bmNxU0tQZGdKLW5VSnVDLWIyTHpkM21BZ0ZEYV8xb0EycVA4MlA2Q0pwSkladmZ2a2xyT1F5amh1ampkTUtERmk0MkxaUg?oc=5) · K8 News | Jonesboro, Arkansas
- 2026-07-06 [FNBC Bank to Acquire RiverWind Bank - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMia0FVX3lxTE5wcG0wNVVfcThEX1JhZEpHbjliWHlxcjc0aFFJaTVPbElGUEJteGQyVjVVMUNxWEdLZmpBTXhPdE5TeHdybkJxMG1iZkw0eUJ3cjM1b0FtY3h6bHptR0VZcnN3VHk2SjVzOFFF?oc=5) · Arkansas Money &amp; Politics
- 2026-07-01 [FNBC Bancorp acquires RiverWind Bancshares - Talk Business & Politics](https://news.google.com/rss/articles/CBMiggFBVV95cUxNZ2FOUFpNM1lTTVM4eFRYUVRhd2FPbzlwMll6UW5MTlNQSl9MRXF3bmNxSDhWcUt6U1VqVE5vc25CdDlrNzhDSURYNlhtMlItcmJrbHpYbXgteUt3dVBFMGU0RmxiWWd2WVJENER4VXVLcUdaV3czS1RzR2Z6Wk5kLUJ3?oc=5) · Talk Business &amp; Politics
- 2026-06-30 [FNBC Bancorp. Inc. announces agreement to purchase RiverWind Bancshares, Inc. - White River Now](https://news.google.com/rss/articles/CBMitgFBVV95cUxOVFpiSXdfMXhjUzVKeVFEdGVoSktCUFhoWF96czNXdnBnTXpfR2htNFB1cUJ6UTA4NXBNTkdjOUpPM0gtOFdtQmlGNkFaY3hTVUlxanhydS1tdTE0SnZ1bG5lSTBRZ1lCanpwc3llaFNXc3lIZHVWOGt3SjNJOExseFlEUmc1WkpwOS1BNTF4ejlkMEE5TjViTjhtOFRjRFdBSk9GbGVBZ3ppMjE5VXZxMkJKSkVVZw?oc=5) · White River Now
- 2026-07-27 [The Unsolicited Offer that Led Riverwind Bank to a Deal With FNBC Bank - Arkansas Business](https://news.google.com/rss/articles/CBMiowFBVV95cUxPb1Y5UzNqazhrY2tyMXNNMTd1NDZBWXFaQ0JLVXRoUlFEaWJHVG95QV85TVUtc0dXbDU4MGt0RERidHR6empObHVVbTE5Q24zdXZZSjZEdDJwWFlwV3d5NkZmcEZlWG15OWFiS3ZMVEYwOExURVc4dXlpOEFzNnAySEQwQjdJY21WaHR4eE5FUXQ4UU9PZy01ejVCb21abVo0OUdv?oc=5) · Arkansas Business
- 2026-07-01 [FNBC acquires River Wind Bankshares - E Communications](https://news.google.com/rss/articles/CBMihwFBVV95cUxPV3lEZHlvX1JWQVppZzZIamN1ZmgzTmVmM00wYWVfeVBtNFdNUWZmcWN6ZkFXWFVfZWJsODUzVzRiMXRucDBEc2tvRXE3WTNiWWN4aWFWaHlBNnVIcHFPOEZPNmpEOFZtTWtaMEtGVUs2X3VKMGc5WkU4VlhaNVJWWEhBYjlYOVU?oc=5) · E Communications
- 2023-11-01 [Casey Cullipher named CEO of RiverWind Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMigwFBVV95cUxQeDBVcmtnRS12SklxMWxyemRBdnFLZHdWR2ZVWDhCX3otTVhJV0xRTHNhclVlWmUwZ3llUlByR0JFUTg5MUVRVTd0SzZoQXVGOFg4dVZaU3pOMzA0YlQ0NEwtcHJON0dzMEZCNUdwRzl2czZWM1Zxc2FJTVd0WnItajRiQQ?oc=5) · Talk Business &amp; Politics
- 2026-07-12 [Hudson leads FNBC toward $1 billion mark with upcoming acquisition - KTLO](https://news.google.com/rss/articles/CBMinwFBVV95cUxQalJ6SkJ2blBkZURLWWgwV1piOHZxTjU5R3JOUE1WSllqVUp5QXpnTVpFRDhiY21zYmEtTWlpOXN2RG5PXzBwVy1VcWF4aVltR0hlV3Nkc3UwM0JhbkFGbGNuZkEzYWNZRzFzejNCSVhWTmtKVFBrVGdhUzRrSy05blg2M1UyOHRSenZOQUt1X3JBSlptY3otT0w2cXdVbkE?oc=5) · KTLO

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15035 (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/59.json (key "15035", 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.

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