# RIVERSIDE BANK OF DUBLIN
DUBLIN, OH · FDIC certificate 59199 · asset band <$300M · 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 | $269.0M | |
| Deposits | $238.4M | |
| Loans and leases | $234.1M | |
| Total equity | $24.8M | |
| Loans / deposits | 97.41% (p89 of band) | 73.59% |
| Liquid assets / assets | 12.22% (p7 of band) | |
| Uninsured deposits / deposits | 21.55% (p56 of band) | 19.81% |
| Brokered deposits | 2.62% | |
| Wholesale funding | 4.06% (p69 of band) | |
| FHLB advances / assets | 1.44% | |
| Tier 1 leverage | 9.14% (p12 of band) | 11.76% |
| Unrealized securities loss / equity | -2.22% (p69 of band) | -6.57% |
| AOCI / equity | -0.13% (p62 of band) | |
| ROA (annualized) | 0.34% (p13 of band) | 1.17% |
| Net interest margin | 3.04% (p14 of band) | 3.93% |
| Efficiency ratio | 80.81% (p80 of band) | |
| Noncurrent loans | 0.38% (p51 of band) | 0.36% |
| Net charge-offs (annualized) | 0.18% (p92 of band) | |
| Reserve coverage of noncurrent | 202.44% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 97.99% (p94 of band) | |
| Auto loans | $266,000 (0.11% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 15.4% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2021-03 | 4 | loans exceed deposits, losing money, expense ratio p90, NIM <2.5% |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 | capital falling | loans exceed deposits |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 5 | loans exceed deposits |  |
| 2022-09 | 3 |  | expense ratio p90, NIM <2.5% |
| 2022-12 | 4 | liquid assets <10% |  |
| 2023-03 | 4 | uninsured deposits leaving | losing money |
| 2023-06 | 4 | construction >100% equity | uninsured deposits leaving |
| 2023-09 | 3 |  | liquid assets <10% |
| 2023-12 | 3 | NIM <2.5% | loans exceed deposits |
| 2024-03 | 5 | loans exceed deposits, liquid assets <10% |  |
| 2024-06 | 5 | uninsured deposits leaving | liquid assets <10% |
| 2024-09 | 3 |  | loans exceed deposits, uninsured deposits leaving |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | uninsured deposits leaving |  |
| 2025-06 | 3 |  | uninsured deposits leaving |
| 2025-09 | 3 | loans exceed deposits, liquid assets <10%, uninsured deposits leaving | capital falling, construction >100% equity, NIM <2.5% |
| 2025-12 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2026-03 | 3 | capital falling, charge-offs p90, construction >100% equity | uninsured deposits leaving |
| 2026-06 | 2 |  | construction >100% equity |

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

- 2026-09-01 [NexTier, Inc. and Riverside Bank of Dublin Complete Legal Merger - PR Newswire](https://news.google.com/rss/articles/CBMiugFBVV95cUxQMEZGOVdDM0YzY3dQc2JIOTBLYkhiQmU2TWlDM0s2S0xheFd4T3dLRUtvRFBKTTJGcFQtT29ZODFIT1RlRmYzcnNkeHE2X3pZZURpaTlxUHo1TUxQMi1iWTUybE1LMTBIOGQxM3BuWFk5LXpJYzQ0QkphWU8xNzR6NDROM2NmTWltdERneS1XeE1QVnhoSVZobllseE1hV19GQVE3RWd3NkpsNnhyZG9HUXVQTmZ1b1MwU3c?oc=5) · PR Newswire
- 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
- 2026-05-19 [After 10X growth, Dublin bank was not looking for an acquirer – at first - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOU1Z6Q21EekNDNEx2OW94N01TVG0xZWJTSVpjYkRvay1PZWJqMVRWRVRoOFpTY1ZpcnNaejRiUE54WE9jcV9hTjlRSHdzYzJsTEswbThyWTV2c3U5Ykw4YmdlRmtoUDI5RU12ZldtZm43c1JHdW1PYk1sY3VlSVdHWDFRVjdOakZIcndaanJTdkwyOHdPRFVSRFA2NHNOQnFmaUhj?oc=5) · The Business Journals
- 2026-05-11 [NexTier to acquire Riverside Bank of Dublin - Retail Banker International](https://news.google.com/rss/articles/CBMikgFBVV95cUxQQm0tYXRLRFlOMkZoUEhPSmR4VTZNa1JNLW81ak9vR0c1QTZWQkRzTW5YdjczU0JJM0x2UDBiU2RBRlFlNE9xQWM5OF9ETEh2RlVXdjFkUGxNSkEtU2JHV2lCYzEwT0NjZ0RpeXpKUUxXVDU3OVB3dVlmZndUQ21TZTAwUEc3Y3N4dUNsWlM1LVlyUQ?oc=5) · Retail Banker International
- 2026-09-01 [NexTier merges with Ohio bank - Butler Eagle](https://news.google.com/rss/articles/CBMidkFVX3lxTE1LM1hJMUUyYjRTcGd0ZVE0YURpaENFRXQ5S1lmZlRoN2hxT1o4YWE1YWtfcWxxSk93NjYzcFN2NW5TY0NGOHlVMHJPV0xQX0VzZldqek42WGtadTctRC1WMGd0UmdQZTBHVVpKdkRXUDh1SGRfSlE?oc=5) · Butler Eagle
- 2026-05-08 [NexTier to Acquire Riverside Bank of Dublin in Deal Creating $3.1B Community Bank - citybiz.co](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNWW1jQThPUndVeGRGRDNYVXpyVk0ydjAydHMzdTduUFgzaWZ4T19KME8zS2VDM19EQ1VOYkM2RnlaUFBoRmlCR19QeWtzMTB4YkhQeWhHYkRFc2NST3JCSDV4U3otUnBYS0dFNnJKNFdMN2VEVjlydm1tZHNMWnRtSE1pSXRKZWNuakZpUEw3Y2NMRlJaMVVFUjg3ekFnWW85Y0dWVUM3cVktUWU4cC1ydFl2QWw4U2hlQUZ3?oc=5) · citybiz.co
- 2026-05-08 [NexTier, Inc. and Riverside Bank of Dublin Announce Merger - PR Newswire](https://news.google.com/rss/articles/CBMisgFBVV95cUxPazA4b1hPenFGcXh5cjlpeUdaenViLTBIcDRGMDZMVkg5cVZVZUhZN1lweHVVNHlNVnNTdEN6Q0t3dmlPeUtuTUNwWnI1OUo0TTQ1c01rc0RpdDVtRWZtUHBWeWthcHV4NC0tX2pJQ2NLVWotclZacE1aOTZoM3VFQzl6MnZCNE5oUlNJZ0trWmNENU04bDZiN0szbjdlX0R2OG15UWk0SWhSOC1ra08yUG9B?oc=5) · PR Newswire
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59199 (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/63.json (key "59199", 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