# RIVERBANK
POCAHONTAS, AR · FDIC certificate 31711 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $174.4M | |
| Deposits | $150.4M | |
| Loans and leases | $136.3M | |
| Total equity | $20.0M | |
| Loans / deposits | 89.28% (p78 of band) | 73.59% |
| Liquid assets / assets | 16.50% (p14 of band) | |
| Uninsured deposits / deposits | 35.49% (p89 of band) | 19.81% |
| Brokered deposits | 10.25% | |
| Wholesale funding | 11.97% (p87 of band) | |
| FHLB advances / assets | 1.72% | |
| Tier 1 leverage | 12.18% (p54 of band) | 11.76% |
| Unrealized securities loss / equity | -1.28% (p75 of band) | -6.57% |
| AOCI / equity | 0.08% (p89 of band) | |
| ROA (annualized) | 1.23% (p54 of band) | 1.17% |
| Net interest margin | 3.94% (p51 of band) | 3.93% |
| Efficiency ratio | 52.37% (p18 of band) | |
| Noncurrent loans | 3.42% (p94 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p61 of band) | |
| Reserve coverage of noncurrent | 43.47% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 62.39% (p85 of band) | |
| Auto loans | $625,000 (0.46% of loans; DQ 5.12%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.0% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 3 | capital falling, reserve under noncurrent, uninsured deposits leaving |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 2 | reserve under noncurrent |  |
| 2013-03 | 2 | deposits shrinking | uninsured deposits leaving |
| 2013-06 | 3 | loans exceed deposits, uninsured deposits leaving | deposits shrinking |
| 2013-09 | 3 | liquid assets <10% | uninsured deposits leaving |
| 2013-12 | 4 | noncurrent p90 |  |
| 2014-03 | 2 | uninsured deposits leaving | loans exceed deposits, liquid assets <10%, noncurrent p90 |
| 2014-06 | 4 | loans exceed deposits, liquid assets <10%, charge-offs p90 | uninsured deposits leaving |
| 2014-09 | 5 | capital falling |  |
| 2014-12 | 2 |  | reserve under noncurrent, charge-offs p90, capital falling |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | reserve under noncurrent |  |
| 2015-09 | 4 | capital falling |  |
| 2015-12 | 3 |  | capital falling |
| 2016-03 | 3 | construction >100% equity | loans exceed deposits |
| 2016-06 | 5 | loans exceed deposits, capital falling |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 4 |  | reserve under noncurrent |
| 2017-03 | 2 |  | construction >100% equity, capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | reserve under noncurrent |  |
| 2017-12 | 2 |  | reserve under noncurrent |
| 2018-03 | 0 |  | liquid assets <10%, loans exceed deposits |
| 2018-06 | 1 | loans exceed deposits |  |
| 2018-09 | 3 | liquid assets <10%, reserve under noncurrent |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 | capital falling | loans exceed deposits, liquid assets <10% |
| 2019-06 | 3 | loans exceed deposits |  |
| 2019-09 | 2 | liquid assets <10% | reserve under noncurrent, capital falling |
| 2019-12 | 1 | reserve under noncurrent | loans exceed deposits, liquid assets <10% |
| 2020-03 | 3 | noncurrent p90, uninsured deposits leaving |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 5 | deposits shrinking, assets shrinking |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 2 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2021-06 | 4 | deposits shrinking, assets shrinking |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 0 |  | reserve under noncurrent, noncurrent p90, deposits shrinking, assets shrinking |
| 2022-03 | 3 | noncurrent p90, deposits shrinking, assets shrinking |  |
| 2022-06 | 1 |  | noncurrent p90, assets shrinking |
| 2022-09 | 3 | loans exceed deposits, liquid assets <10%, charge-offs p90 | deposits shrinking |
| 2022-12 | 0 |  | loans exceed deposits, liquid assets <10%, charge-offs p90 |
| 2023-03 | 3 | loans exceed deposits, noncurrent p90, reserve under noncurrent |  |
| 2023-06 | 4 | liquid assets <10% |  |
| 2023-09 | 3 | brokered >10%, capital falling | loans exceed deposits, noncurrent p90, liquid assets <10% |
| 2023-12 | 1 |  | reserve under noncurrent, brokered >10% |
| 2024-03 | 1 | liquid assets <10% | capital falling |
| 2024-06 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15% |  |
| 2024-09 | 1 | capital falling | liquid assets <10%, loans exceed deposits, brokered >10%, wholesale funding >15% |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 1 | reserve under noncurrent |  |
| 2025-09 | 2 | brokered >10%, capital falling | reserve under noncurrent |
| 2025-12 | 2 | construction >100% equity | brokered >10% |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 3 | brokered >10%, noncurrent p90, reserve under noncurrent | construction >100% equity |

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

- 2025-09-15 [RiverBank of Pocahontas Applies to Form Holding Company - Arkansas Business](https://news.google.com/rss/articles/CBMikAFBVV95cUxNc0ttUktYdEFCUF83dkUzYnpPalhXY0pqd3gyRldwSmppeUZJdF9BaGlmdFRiYVNYTlpSNDBjYl9iWG5kczlpazJXcElpa3RsM1JEQWVjMndfdUtwM0g5a1l2cVI5eXdoUmVGTmJhWFcwRE01cnhSZzRkbEZKckZVaVB3N2xSelNHdkY1SWwtU1E?oc=5) · Arkansas Business
- 2026-02-03 ['Sharkansas': a Shark Fossil Hotspot - Humboldt NOW](https://news.google.com/rss/articles/CBMibkFVX3lxTE8wYzJoelRmSFYtXzM0bG8yYVJIR0x1OGhzY1gwNFczWUxhbDlIUFJ2VU1xVXFfUUNDTVFwdEhBWEE0TG5CRkdTbTQ3Tkk1TzNRWUMwQXllN192eDYteDdIbG9FWkVvTG03SFZhQ3Zn?oc=5) · Humboldt NOW
- 2025-07-29 [RiverBank, Green Check Launch Strategic Cannabis Banking Partnership Through DCI's Direct-to-Bank Integration - cannabisbusinesstimes.com](https://news.google.com/rss/articles/CBMi_gFBVV95cUxPM3hyQWFzeVE2N2dzQTR6R1R4OFlkQWxNdjlNSExSbE5scG0zN1BMWDB6SDlmcE55cTM1eVlHbS0tNDF1NWIwQ3JYeE93SGJ6c2lKZmxrYWFpVm53NFdINGFzZktVWnVWRVlidWk1Y2VFeVViSjJkeVhUZW83WFE2VGhwZ1k3SGtLbW9YSlhtTlUtSko2Yi1JbkotOXdiWjN1dmZpcWpBenNEVVc0Rm1sZjY1LW91OV8tUWpoSG1nZnJabmZyRkw3cGduaVBRNGdmNE53TV9ubVZsLVk0N0FaMWpVYjJYcWtCX2o4dWRNRlM2c2NTZDY2S1BxMmZPUQ?oc=5) · cannabisbusinesstimes.com
- 2025-10-15 [Skull found on Indiana riverbank may be over 4,000 years old, coroner says - USA Today](https://news.google.com/rss/articles/CBMiowFBVV95cUxPTVBtREh6RnAwZVpoX0gxYjBOaXhtdkxoREFwb2stQWFfaXRyd01yamJubmRIN1dYSkNraHh2Rk5uSjF1RG9SbkVDNFhKbDA2S2RhenkwWkFYdlJCQlBCWVdtd2MtZ1dOb0ZNR0xQMHM4Ui1yTXkyRzZzSkp0OVR6ZXBPV0hzVXhPekJzRDRWeG5aNF9GQjl2NURkam1FckVxcElZ?oc=5) · USA Today
- 2024-01-22 [RiverBank Buys Into Paragould - Arkansas Business](https://news.google.com/rss/articles/CBMie0FVX3lxTE9rZ2xMQmJXak9hWU9kQjlNSEowY2hvWTNzNEFDdkthZXRPYjZkNy1Gc05qRTdVS2NPUHVhR0pISk9GUUxmY3hVTXBTMzB0UDNHWHlBOGpnQmlENEtSOUQyTDZuN3ZHUmxBeHdCSTVpc2o3Zlg3OThMMWVMaw?oc=5) · Arkansas Business
- 2025-07-29 [Wichita riverbank construction causes short-term disruptions - KSN.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOZnlhb09DVEZvdEdDOENyc09Gdm5raFhheFRzN2FraGlaYTRkSjZzdUpCdEltWnJ2dUlpbFgyOG1oeDVZcUY4N3JzdURqcHJFVzNGQV9VWVViSlBvWVIxMEttekg1aHJza09GeThrYzl6bnpKNDlhQTU0ZXVac1V2QUNUblNUUzFtSjlJNUt5UThfOXRiTGRJ0gGcAUFVX3lxTE1YdFl5ZzI4X0lWWnRENG5laDRlWEtMZGlrcjZpQ0RIelJvMTdqV1p6bWs2Zy1EdUJQZDF2WFp0R2ZTZUhOdXRNVjFMcXZvVHRZU3gtSTRlNEtwSFdtTXIwX3ZxcXFjWG1mN2dDSFJFbEprN1lfb1ZrOWRrZTZUcWtDNktzUXBqUjltZXZ0RWs3TW1KTWY3ZlViczFYRg?oc=5) · KSN.com
- 2026-07-30 [Council, farmer partner to restore Condong riverbank - Times News Group](https://news.google.com/rss/articles/CBMiogFBVV95cUxQclluZ3BtT1RpSkg0aDcwemNVNkRWcG1RcmxPNUlINlVxbkZ3YWR3VTlJVWZpVDdPOVM3bHpIQzZfSEh6Ympud19iNWhySTVmTk1ZUjI1OXJCLUg3ektNRlpKcl9ISFdMaUhqTDQzanVzbmZlVGRkTFkwX2RxNVE3cmR0VFUxOXl6UXlIc1lwTlp6MUZrUFprWFVsU21WODBMYVE?oc=5) · Times News Group
- 2019-06-21 [PHOTO/VIDEO: Two-story house in danger of falling into Arkansas River - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOZ2kxakNNME5nQ3hVOUlreFQxZTR1NUNQZXVwQTBkbVQ0X0RSZDBsSlV2TmQxbU5hUWRMZ1ZyOTh1OUtZR0dDQUdpNWRwUkVIRklzZzdwZHJkb2EzSnc4X2szdEx0VmZSSV9Ld2hsVmRFUUZZa01yanBHc3N0alMzZXMzdXRWLTJDUFVZ?oc=5) · Northwest Arkansas Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31711 (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/31.json (key "31711", 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