# RIVERBANK
SPOKANE, WA · FDIC certificate 58322 · 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 | $310.2M | |
| Deposits | $275.2M | |
| Loans and leases | $239.4M | |
| Total equity | $31.9M | |
| Loans / deposits | 85.81% (p61 of band) | 82.04% |
| Liquid assets / assets | 22.51% (p41 of band) | |
| Uninsured deposits / deposits | 35.84% (p81 of band) | 25.97% |
| Brokered deposits | 15.04% | |
| Wholesale funding | 15.69% (p88 of band) | |
| FHLB advances / assets | 0.64% | |
| Tier 1 leverage | 11.34% (p60 of band) | 10.81% |
| Unrealized securities loss / equity | -6.81% (p55 of band) | -8.10% |
| AOCI / equity | -0.01% (p74 of band) | |
| ROA (annualized) | 1.78% (p79 of band) | 1.28% |
| Net interest margin | 4.70% (p87 of band) | 3.91% |
| Efficiency ratio | 57.22% (p37 of band) | |
| Noncurrent loans | 0.31% (p43 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 425.50% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 62.16% (p66 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 11.2% | |
| Employees | 39 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | losing money |  |
| 2011-09 | 6 | leverage <7%, capital falling |  |
| 2011-12 | 5 | noncurrent p90 | leverage <7%, capital falling |
| 2012-03 | 3 |  | charge-offs p90, losing money |
| 2012-06 | 6 | losing money, charge-offs p90, deposits shrinking, assets shrinking | construction >100% equity |
| 2012-09 | 9 | capital falling, expense ratio p90, uninsured deposits leaving |  |
| 2012-12 | 5 |  | noncurrent p90, deposits shrinking, capital falling, uninsured deposits leaving |
| 2013-03 | 3 | deposits shrinking | reserve under noncurrent, losing money, expense ratio p90 |
| 2013-06 | 4 | reserve under noncurrent |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 5 | losing money, expense ratio p90 | charge-offs p90 |
| 2014-06 | 2 |  | assets shrinking, deposits shrinking, reserve under noncurrent |
| 2014-09 | 2 |  |  |
| 2014-12 | 4 | capital falling, charge-offs p90 |  |
| 2015-03 | 1 |  | losing money, capital falling, charge-offs p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 3 | deposits shrinking, assets shrinking |  |
| 2016-06 | 2 | losing money | deposits shrinking, assets shrinking |
| 2016-09 | 1 |  | losing money |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | expense ratio p90 |
| 2017-06 | 1 | expense ratio p90 |  |
| 2017-09 | 0 |  | expense ratio p90 |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 1 | expense ratio p90 |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | expense ratio p90 |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | uninsured deposits >50% |  |
| 2021-12 | 0 |  | uninsured deposits >50% |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | uninsured deposits >50% |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | uninsured deposits >50% |
| 2023-06 | 1 | brokered >10% |  |
| 2023-09 | 2 | capital falling, uninsured deposits leaving | brokered >10% |
| 2023-12 | 2 | charge-offs p90 | capital falling |
| 2024-03 | 0 |  | uninsured deposits leaving, charge-offs p90 |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | brokered >10% |  |
| 2025-09 | 0 |  | brokered >10% |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | brokered >10% |  |
| 2026-06 | 2 | wholesale funding >15% |  |

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

- 2026-06-04 [The Way I See It: Museum has been part of the riverbank for a half century - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPSUZtRnczaFoteUd2SzJxZnNOVGZEQWdaWV96T2EwVkxkY0NvRW9qbUdBUWJGZHdrRFp3VTBvQnBGbHJaNkVCSERBY2ZiTEhzc21USXRSbnM3c1dwSE0yTTNXTWZQdThYdy1NVkVsOVoxUFBXcDMxQTZhM29vMzRobWNKaHRNUm5LQzZfMVcxMHpvYTU4NDZHOEJJc3I4b2ZLRjlqeDc1RlFuU3liQXB3dXBzZDlnU0xKVTFCODZaS1Y2eDc0cFYxQXFrQnlaVll5dHc?oc=5) · The Parkersburg News and Sentinel
- 2025-07-31 [RiverBank goes green with cannabis fintech alliance - Spokane Journal of Business](https://news.google.com/rss/articles/CBMidkFVX3lxTE5XMkdWYzFDdkkxOHFVU0tqallnaVI4QVd5bk5JbUFKd1lyWkxQd2VmRHB5M25KdzBNRWtrQWJjM1Q0Qjl6MURpOXVLTXJwWEZ5aGIwMDVKX1pJMTFobE5iaFhmYzU4M0dvM3V6clNTcGV4VklMeGc?oc=5) · Spokane Journal of Business
- 2026-02-05 [Riverbank woman convicted in 2023 DUI crash that severely injured four - modbee.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE9Lb1pFWHZhai1ia01DNVR2MnFZdjBteWdFYXhEYWd2ajRmZ3dOZ2Z3dXRaUGF4VEx2VmppdDFkQnNqV2o4WWNHOVM3c0V2VWVpYjVkTURCSXVUUEVxMXR4b1J1bmt2aGRMeGROWU9B0gFuQVVfeXFMTV9RNDU4VV8zSDlSR21jRXh6M3k3RnBYM2pyRVh6S0J0ZDVzZ3I1UHVZRFptTV95Yk1wVmFnbWhKNmpSSThza2haaG5yM0l3SlZLV1hTVzBucm41R3J4VHpHdEZRNWdkeUpMUG9LZ2c?oc=5) · modbee.com
- 2025-09-23 [Attorney General Schwalb Announces Washington Gas Will Cease Pollution of Anacostia River - District of Columbia | Attorney General (.gov)](https://news.google.com/rss/articles/CBMiggFBVV95cUxNcjdUeF9YdzVLdkdjbnVGd3JlZ2ZfdFlDSDNnQnR6aGhSOXM0ajhRdDRQeFQ0d25qblVFMV9nWVdMa3ZIandlNTFSQU8yTlQxbVRCTTVPMFNqc1ZkWkFjODdkbXB0d3NsOVBlZjdhams5SGl5MEU0bjZTaTVXRUpEcGpR?oc=5) · District of Columbia | Attorney General (.gov)
- 2025-11-29 [Episode 4: Douglas or Donna - The Riverbank Murders - kxly.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOaE5INzJrYVhPYjlzbVZpUXVsZmJDbnFKSy02Z0VLNUpwb3AySUM5bDM1T0EzMGlNaXhCSmxOWkM1YjdtR1R4Ni1WY2lySGhGMXJVOXp5TC1CMm5GMks2LUI5WWdiSk0zUE9wZEJtSG54Z0VBYVpEc0lselJURmN4cVhoTWRYcjZHWmh2Z3gwM24tQWNkQW9sTlNBaDZrcWNKTkRDY2MyemMyNmlxQmcwWGg1eDZXb2VVUWNFRkhNSGdERGpvajR0RVpRUXZRWkNLbE9j?oc=5) · kxly.com
- 2023-01-26 [Pilot projects designed to curb bank erosion showing success in Chehalis River Basin - Department of Ecology - State of Washington (.gov)](https://news.google.com/rss/articles/CBMilgFBVV95cUxORk9pVXFrQWJHcDRNQzJtdEVpOUFGclBsYmI3M2JWbGJUeW5IUHUyeTRvYVZpUFFPanNRWTFzeDd4ZUhUMkNiWGsyN21aTVMxWmw2Y01iajBZRVYxYmNHOVlBTkMybWk5cWV5aFhDZHdHNk5Ud1RHUGtWMTN5bzdfb0RGUlVudks1ZVFDdV9Yc1U1YTUyUlE?oc=5) · Department of Ecology - State of Washington (.gov)
- 2025-07-29 [RiverBank, Green Check Launch Strategic Cannabis Banking Partnership Through DCI's Direct-to-Bank Integration - Cannabis Business Times](https://news.google.com/rss/articles/CBMi_gFBVV95cUxPM3hyQWFzeVE2N2dzQTR6R1R4OFlkQWxNdjlNSExSbE5scG0zN1BMWDB6SDlmcE55cTM1eVlHbS0tNDF1NWIwQ3JYeE93SGJ6c2lKZmxrYWFpVm53NFdINGFzZktVWnVWRVlidWk1Y2VFeVViSjJkeVhUZW83WFE2VGhwZ1k3SGtLbW9YSlhtTlUtSko2Yi1JbkotOXdiWjN1dmZpcWpBenNEVVc0Rm1sZjY1LW91OV8tUWpoSG1nZnJabmZyRkw3cGduaVBRNGdmNE53TV9ubVZsLVk0N0FaMWpVYjJYcWtCX2o4dWRNRlM2c2NTZDY2S1BxMmZPUQ?oc=5) · Cannabis Business Times
- 2026-02-02 [Section of Mekong riverbank collapses in Kampong Cham City - Khmer Times](https://news.google.com/rss/articles/CBMinwFBVV95cUxPdE9YRmg4dlJ1NzB6NkhNNnhlckQwTnpUcDNmZlNCaXZaVUYzZ053WVJZXzFpejk3cXN0NDNvS0NiNnpvN1gtcmZ3S19tV3pYYnRkLVRTdEZ5cmxZcDRJMXYxRHlONmpBejdrODljUEIxUmwxZFBHaHoxOGxpelItemRnNFg0Sm05MExIeWszLWtJYzFITEJod1Y3VHlMajg?oc=5) · Khmer Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58322 (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/18.json (key "58322", 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