# RVR BANK
FREMONT, NE · FDIC certificate 17639 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $570.2M | |
| Deposits | $506.5M | |
| Loans and leases | $437.7M | |
| Total equity | $59.5M | |
| Loans / deposits | 85.04% (p59 of band) | 82.04% |
| Liquid assets / assets | 18.57% (p27 of band) | |
| Uninsured deposits / deposits | 20.70% (p31 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.77% (p28 of band) | 10.81% |
| Unrealized securities loss / equity | -5.22% (p62 of band) | -8.10% |
| AOCI / equity | -0.24% (p57 of band) | |
| ROA (annualized) | 2.00% (p86 of band) | 1.28% |
| Net interest margin | 4.48% (p81 of band) | 3.91% |
| Efficiency ratio | 57.64% (p39 of band) | |
| Noncurrent loans | 0.16% (p29 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p50 of band) | |
| Reserve coverage of noncurrent | 1022.14% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 61.27% (p65 of band) | |
| Auto loans | $1.9M (0.44% of loans; DQ 1.20%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 85 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-06-30 [RVR Bank prepares to open new downtown Fremont branch on July 6 - Fremont Tribune](https://news.google.com/rss/articles/CBMinAFBVV95cUxQYzFmekRNbWJ4c0ExRXRfOF9OdVNPTlhudGVuTjJIaEF1WVFMcUZGNVl5VWFSQi0yVW5oQTA1SkhzcGFlVVRoZHJJMzI3ZXRhRTd2NGpSa3VsT3R1MUJqT1Ata19OS1pCOThxRURKWjdCQm50UjNhVjZDOTZDX3NSQ3QyRmUyLUs2d2hEU0JvV3Q3SVJvR1ZpTXQ1amI?oc=5) · Fremont Tribune
- 2026-07-08 [RVR Bank junior golf tournament set for Aug. 3 | Fremont - The Best Mix 105.5](https://news.google.com/rss/articles/CBMikgFBVV95cUxQaF9tOW1tVlRSZ1lpM0JvdXdoa3VweFVrYmUyU3FwNUx4THhYa183ejhiT2l4eXBqUTJpSG5lRlp6S0FFS3VEVjJUTWluQ2MxXzB0emUxbnk0RG9NMW9VOEhvdFJWcnF0NW5veUhzZUR5dVdDRHNfYWIxNjJxMnRhUDA3SXZ6bHh6RzB6bDFDbC1KQQ?oc=5) · The Best Mix 105.5
- 2026-08-03 [Junior golfers capture titles in RVR Bank tournament | Fremont - The Best Mix 105.5](https://news.google.com/rss/articles/CBMimwFBVV95cUxNZVRRLTRIZTI3czcwNm5pMWV3cEt1RUxHUDI5Y1NqRUd0TGZTRDVZZzJGTkd3QW4tZlFMV21mbnc5TmdhRnV5ZllHajVhT3dyZ2lzdVZXbkloby1GcEVMb0VfYWtXMldkWjZiN2x1ZDZWS3ZEVWE0WFhfMlNDZGc2RGJKaGxpa3Nhbkh3bDFDYnE1MUgxUHNBUW1RMA?oc=5) · The Best Mix 105.5
- 2023-06-17 [RVR Bank discusses name change - Washington County Enterprise](https://news.google.com/rss/articles/CBMif0FVX3lxTE1tSDE3WmxmLW91X0NObTVhakRraWRaMjZORHNYX2tSaWxKWjhaRWEwRTh1dEc3MkZpN3Y1Ump1VnZ0RWhiOHNXWmliQUNFZ0hfR0Q0dkdOVTQ1blJCLTd5cGY4b0JYZnNVZTBEd1A2VkRBcGRtS0tWS0JJUzBYUjg?oc=5) · Washington County Enterprise
- 2024-11-28 [RVR Bank officially announces the construction of a new downtown Fremont branch - Fremont Tribune](https://news.google.com/rss/articles/CBMinAFBVV95cUxPenlpX1RiZld2U3UtYnNGeDFUUWR0c09UNGstR1hONGRNWVVrdGdGemlQQk9FTWRwcGtZZ3czQlVva01RTW9OaldkQ3RMOFJqOEtLNzJkRDVRWWdCQXduV3UxSU9GRjFjcGJ4QXJXVFd0cnJVdUtVUlBCQlZVOFBveFctdEFqby16RHVfeHV3T2xkY3djN1BmQzh4Q1o?oc=5) · Fremont Tribune
- 2025-10-15 [RVR Bank promotes Coburn to Arlington branch manager - The Best Mix 105.5](https://news.google.com/rss/articles/CBMimwFBVV95cUxQRGJJYWV5Xzc5MGZsQkZNMmgtdWNhZHB3WUswRkJwYl83NlR2b0JBYk9WWThGQ1lKR24wQU0xTDc3dkNDakF0VElKR0RtTzllenVFaFFyVVJ6Q1V1aGZUbXVqOTRENHZYTmhyTVQ4eGE2b0tnZG9fR3BySGZnbFNaT1JlOEtfMVBYa0xCdHhKU2J1NVNtV1BVMlViNA?oc=5) · The Best Mix 105.5
- 2026-06-11 [Wednesday's Area Legion Baseball Scores - norfolkneradio.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxQQ3p5YlhOU3Y5NG9EaE5KSDgxZEpTaFk3TEFnVGllNTBnMUFLUm5KU3BaSTc0ZVpWcjBCUlFibXNlM2tYRlN4Z2NjcmtMVXU5VFRHbUtXb2dGa3U5NUhhU3ZheTNGbV9uM2J6RWJ2ZDZZeDllYUpOYUlGMUtDcjFGbmRIa0RXZlNoQlNRY2FSNGctU1ZWajZkTGQxdGR4RkpFdXlHQ3BCYW80aW1Ia1QzQ0lpeHlTVk14VFRGeWhCTGVGUnl1?oc=5) · norfolkneradio.com
- 2025-05-17 [Broken Bow native named Bankers Association Chair - Sandhills Express](https://news.google.com/rss/articles/CBMilAFBVV95cUxNcy1hS3BNXzRGcURsTTNZQzB0TmF6dEhJU2hiRVZQU1NBNGw5UXcyX04yRjk4YkYzZ2NPMDBtM0FXOHdLLVNvaTJqRy15bkNNYkdPTTVuZWJmbTZ5WnNoR1NHV1pFaFZMMGhqWk5mRVNkRXBFQkQwZ0R4dXVmOGlOZUQyeWIxak8zblVBQjlmZE5FNUpq?oc=5) · Sandhills Express

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17639 (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/39.json (key "17639", 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