# RIVERVIEW BANK
MARYSVILLE, PA · FDIC certificate 7598 · asset band $1-10B · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $1.24B | |
| Deposits | $1.08B | |
| Loans and leases | $866.6M | |
| Total equity | $129.4M | |
| Loans / deposits | 79.27% (p62 of band) | 74.28% |
| Liquid assets / assets | 25.59% (p32 of band) | |
| Uninsured deposits / deposits | 25.35% (p29 of band) | 32.26% |
| Brokered deposits | 2.02% | |
| Wholesale funding | 3.63% (p55 of band) | |
| FHLB advances / assets | 1.61% | |
| Tier 1 leverage | 10.41% (p68 of band) | 9.58% |
| Unrealized securities loss / equity | -0.06% (p36 of band) | 0.34% |
| AOCI / equity | -1.25% (p43 of band) | |
| ROA (annualized) | 1.25% (p52 of band) | 1.23% |
| Net interest margin | 3.56% (p73 of band) | 3.24% |
| Efficiency ratio | 64.61% (p68 of band) | |
| Noncurrent loans | 0.48% (p57 of band) | 0.38% |
| Net charge-offs (annualized) | 0.06% (p84 of band) | |
| Reserve coverage of noncurrent | 259.62% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 32.28% (p38 of band) | |
| Auto loans | $354,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $11.9M (9% of equity) (p91 of band) | |
| Deposits YoY | 4.6% | |
| Employees | 188 | |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)

## 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 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | expense ratio p90 | reserve under noncurrent |
| 2015-06 | 3 | losing money, reserve under noncurrent |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | reserve under noncurrent |
| 2016-03 | 2 | capital falling, charge-offs p90 | expense ratio p90, losing money |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 2 | losing money, expense ratio p90 |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | capital falling | losing money |
| 2017-12 | 3 | losing money |  |
| 2018-03 | 0 |  | expense ratio p90, capital falling, losing money |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | losing money, expense ratio p90 |  |
| 2019-06 | 1 |  | losing money |
| 2019-09 | 2 | deposits shrinking |  |
| 2019-12 | 3 | assets shrinking |  |
| 2020-03 | 2 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2020-06 | 6 | loans exceed deposits, wholesale funding >15%, liquid assets <10%, losing money |  |
| 2020-09 | 5 |  | charge-offs p90 |
| 2020-12 | 3 |  | wholesale funding >15%, liquid assets <10% |
| 2021-03 | 0 |  | expense ratio p90, loans exceed deposits, losing money |
| 2021-06 | 1 | assets shrinking |  |
| 2021-09 | 1 |  |  |

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

- 2019-02-22 [Riverview Bank - PA Business Central | Marcellus Business Central | Women in Business - pabusinesscentral.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFBiaTUxb0d6bUF4YXFDZG9DZnpaN0JBUTNkTWtRc1daeHMycUo0RFFBYllpOE1KQUlJcXo3TWZpWWkwMW5ZSjlsREY2ZDBMc3RLbmVMR0gtMXZBRFM1SHhKWHFCVWtRbmlqbGVLMg?oc=5) · pabusinesscentral.com
- 2020-11-25 [Central Pa. bank to close 2 locations - PennLive.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxONFdXWl94OVAyS1JDTklMUTlGYUlCSUJ2SXRrYTZKZEhaUUFlbTZoMHlCbGRDU3lHOXdPb0tNWjJYU3NidjNoRlNWQXZWYlJBczdzUlZLdS1KQ3dCS3dXRmVOam5pR3RkdGt0Tk9WZ0ptZXRtRHUxTXdzMVIxYXBwRmZlMVMzZ9IBmgFBVV95cUxObHNkdXR4T1VPQmotSUJJaDFqWms1dmx0UnFna3Bady1MMk9NM2t5RnVOa0lUbUpjbDl6RUU0LWE4Wk9HMHliRGd3VFFBQW1WTnltZTRDTi1aN1NIaFFveVdESi1IZUprVXluV2J1d2ZaWS1BWGdLQnJPVGdxc3liWXlvTC1YODRIVW9ldTRxeGhuVlBjV2c3TVF3?oc=5) · PennLive.com
- 2021-04-09 [Riverview Bank names Mike Johnson and Frank J. Covelusky senior vice presidents and regional commercial executives - Central Penn Business Journal](https://news.google.com/rss/articles/CBMixgFBVV95cUxOVmctc0ZCejc2VXdCeWdBN01TUlF0ZzFtbzJWM29UR1NDQzBtNkpXcHZHNG5vM2RiOHpLSWRJQ3B2Sy1vTUxpajFwMFE4eExxaklNWW0zRkY4V2dmZ04tRVZIcGtSZUpzNjBzQjd4YXJmbHBPb2xGd0VFcGlMM2NHZGgwYXdBTnl0NWVrQkExUm1zOGFrVjdfbnVjSEZXdDVJckFjaXpJOVl5OGk3dHQ0ZnBMdW5mZnJwTGhvV1p0WV9TWF9QZHc?oc=5) · Central Penn Business Journal
- 2020-02-28 [Marcellus Business Central | Women in Business - pabusinesscentral.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1DLUZzX2k0bS0zZDJSZE9TWldfZDJJSTdLQVZDTEtXODQxUnYwaGJubmpzSnNMR1BGRVVsU0wwSHgzSXpQVGZrRF9ucEZVSmRUTk91SEZlMDhkbFJNX19VSlBB?oc=5) · pabusinesscentral.com
- 2022-03-25 [Mid Penn Bank closes 16 branches - PennLive.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQNVowcUdzdkZxVEJPZUNCM2xPZlNTbWgtZ01aVlpQaG9heVZWbGJmMi12NThGUThWRWNubVpxUVFrNWlESlN4UDJjYmE4QVpSWElVU1N6TUJ1YlIzS0JyZ3dfRjlPOTViSGdxaDU5TENKaWxEc2VnYnhyeFJrUEJSb9IBlAFBVV95cUxQd1JDemJ1Ty03R1RhVTdnampIbXlmTGxnLUEtUUtBQWZzS24zVEdjUFU5UVVFTjVuVHhJZDVwN2lKblhkeGJ1enJONjNEaEdFVzZ0RlRfOVhlWHVOVENpWjc4Mjl2THplT2JuOUtZR1hvZ2p1RnVxRGFMdG1teWNIeWowejJqSzEzTEtYYXNhV0pTdy1M?oc=5) · PennLive.com
- 2021-01-29 [Brett D. Fulk - PA Business Central | Marcellus Business Central | Women in Business - pabusinesscentral.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE1Na1lCa1FQUUF4R2tUS1FKNVA5dWRTekxSYmxZeWtsTW84ZThpeEd1TlVYZWdZNTN0eElxVUU1cWZ1eVlNVWpqekhjeEwtdGs3MnRaZTkzNkNFaVI0YURmN1hpeW9OSC1IV3c?oc=5) · pabusinesscentral.com
- 2021-06-30 [Mid Penn Bank to acquire Dauphin County bank - PennLive.com](https://news.google.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?oc=5) · PennLive.com
- 2018-01-26 [Kirk Fox - PA Business Central | Marcellus Business Central | Women in Business - pabusinesscentral.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9nUXJYSFI5QnZQS2lRaVFJYm1wNTFfMnhZakVUcml4RDJTc1RIclFwX1NFRW1ZNnVzaS1ZN1JyaTNEZzJXeURBZThrTWNLOWcwT09zaG0zckc2T0xndVpibUZR?oc=5) · pabusinesscentral.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7598 (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/46.json (key "7598", 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