# RIVERSIDE BANK
POUGHKEEPSIE, NY · FDIC certificate 27181 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $231.6M | |
| Deposits | $203.4M | |
| Loans and leases | $200.3M | |
| Total equity | $26.8M | |
| Loans / deposits | 97.19% (p91 of band) | 71.36% |
| Liquid assets / assets | 11.61% (p6 of band) | |
| Uninsured deposits / deposits | 21.69% (p81 of band) | 12.72% |
| Brokered deposits | 2.65% | |
| Wholesale funding | 2.65% (p54 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.65% (p66 of band) | 10.52% |
| Unrealized securities loss / equity | -0.18% (p33 of band) | 0.17% |
| AOCI / equity | 0.44% (p35 of band) | |
| ROA (annualized) | 0.94% (p59 of band) | 0.81% |
| Net interest margin | 4.20% (p79 of band) | 3.65% |
| Efficiency ratio | 56.96% (p14 of band) | |
| Noncurrent loans | 0.72% (p45 of band) | 0.86% |
| Net charge-offs (annualized) | 0.37% (p91 of band) | |
| Reserve coverage of noncurrent | 181.59% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 18.53% (p54 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | charge-offs p90 |  |
| 2012-06 | 0 |  | charge-offs p90 |
| 2012-09 | 2 | capital falling, charge-offs p90 |  |
| 2012-12 | 0 |  | capital falling, charge-offs p90 |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2014-09 | 1 |  | uninsured deposits leaving |

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

- 2026-09-02 [NexTier And Riverside Bank Of Dublin Complete Legal Merger - Pulse 2.0](https://news.google.com/rss/articles/CBMihAFBVV95cUxOVkwwckhWNmZiRWxFZHZ0ZDg4QU5EVTFGSFI0OFVDUHNzVkNvdHNDRTM0WFBvNTdRMml3Z2pVZGpEbU1JeXNpMmg5TUF5TEFrTUVrM0dKTHpTalNZY0RQMk5JS05qWGdUYnJhSjRHbTZNWG85N2ZZNkhGT0dVcEZNRF8zLVfSAYoBQVVfeXFMT3doQTA4b0ViRzI5cm13VUdyQWpXaHB4Q3RYYU1mY0F4MnAzQnhQTUt2UmNZX3hzWVJYYmNueXAya1BULUFONUt6YVNPT2JnWUJYMWtHdkdDR2hNd1R4RllaRkxPN2ZxMnhpdC12bEt5aDRqY29vaUZZdGNmS3JDMTRoYU4xVWhSSDB3?oc=5) · Pulse 2.0
- 2026-05-08 [NexTier to Acquire Riverside Bank of Dublin in Deal Creating $3.1B Community Bank - citybiz](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNWW1jQThPUndVeGRGRDNYVXpyVk0ydjAydHMzdTduUFgzaWZ4T19KME8zS2VDM19EQ1VOYkM2RnlaUFBoRmlCR19QeWtzMTB4YkhQeWhHYkRFc2NST3JCSDV4U3otUnBYS0dFNnJKNFdMN2VEVjlydm1tZHNMWnRtSE1pSXRKZWNuakZpUEw3Y2NMRlJaMVVFUjg3ekFnWW85Y0dWVUM3cVktUWU4cC1ydFl2QWw4U2hlQUZ3?oc=5) · citybiz
- 2026-05-12 [NexTier Bank To Acquire Riverside Bank Of Dublin In Deal Creating $3.1 Billion Community Bank - Pulse 2.0](https://news.google.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?oc=5) · Pulse 2.0
- 2026-09-01 [NexTier, Inc. and Riverside Bank of Dublin Complete Legal Merger - Eastern Progress](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQT0dQVno1dGVsZUh2YmhVV0xfQ1pueF9MNEJBcS1wMS1KM0o4VmozSUdLYnYxbXNWLWhBcWVMckx3NUZtN1pFZXJZWHdGUHRIdEJpbGU3SmlTR1A3a3BTX0lDQ0dlZVR0aHUyMkhVcnl1bkV2eXNJb1RMVnNLT0FwbDJFaXl3VmhuRkNtWGtDVGQ0RGhBZE5mSTBsUm40TXZVMFh6Sms0bGhUd1FXNTBaUzEwc3Jod0YzRmRSOTBhblpxQnQtUmhZMENCV1ljVGtiM3BDMFo1ek9yMk5w?oc=5) · Eastern Progress
- 2014-12-09 [Riverside, Salisbury banks merge - The Poughkeepsie Journal](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQTXY5OFFxR0xEekYwN09qSTRzQVdSdjF2eEFjdnVtRE9ZbjR0bjItTThnbmt6SG1WZzlCdWRFNWpOS0p3NFduQ1R2M0plSEdFM3A0N3E3WXM3Yk5vUHVJcWZnTS02WW4xY0dUb1VQN2hURDJRN2Y5VG5HYkt4N1N5eDIzQXF6NFlLSGZQU3dHQTUyRm9sckk0bGdyVTNnc2ZjbnlPM29SdXZwdw?oc=5) · The Poughkeepsie Journal
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2014-04-09 [Salisbury Bank to acquire Newburgh Riverside branch - Times Herald-Record](https://news.google.com/rss/articles/CBMipAFBVV95cUxPeTdvUHU3NFYybEEyek9MMUlHLWM0NUE4YmU1eEtfQllFZFBENkU1T2d6M0xLdGJqLXhUQURnTzd0YVB1aFN1UGVpNUM1a3VvWGV4Tkl5S1NTakhLcDg2OUEyX1QxZGl2Z0xpY0JEc1pZZktNNXhvWm5qOUlxY2ZxWEdCNEJZb2dqWFpraXZkWC11NlBXaVViV2gyUklRcEd4c3poVQ?oc=5) · Times Herald-Record
- 2023-07-19 [Francis Joseph Giuffrida Obituary - Gainesville Sun](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1yOWZMT2k3WEJjSDFmU2h0VHVTZFcwWkFveVVKSVd4ZUpPRUlvMU9MZmY4OXpRbmd0QTlDZUVXaEwxclZNeWpYd2RFRDB1UjlOcnZKZWdQRXBtU0JCSkVr?oc=5) · Gainesville Sun

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27181 (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/45.json (key "27181", 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