# RIVERSIDE BANK
SPARKMAN, AR · FDIC certificate 93 · 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 | $73.9M | |
| Deposits | $56.6M | |
| Loans and leases | $62.6M | |
| Total equity | $11.8M | |
| Loans / deposits | 110.15% (p97 of band) | 73.59% |
| Liquid assets / assets | 4.64% (p0 of band) | |
| Uninsured deposits / deposits | 22.94% (p62 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.76% (p78 of band) | |
| FHLB advances / assets | 6.76% | |
| Tier 1 leverage | 12.29% (p56 of band) | 11.76% |
| Unrealized securities loss / equity | -0.06% (p91 of band) | -6.57% |
| AOCI / equity | -0.04% (p67 of band) | |
| ROA (annualized) | 1.12% (p47 of band) | 1.17% |
| Net interest margin | 4.99% (p89 of band) | 3.93% |
| Efficiency ratio | 65.94% (p51 of band) | |
| Noncurrent loans | 0.04% (p29 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 736.00% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 39.79% (p72 of band) | |
| Auto loans | $626,000 (1.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.7% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

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

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

- 2025-01-13 [Oak Tree Financial acquires Riverside Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMiggFBVV95cUxPcWtRRVg1UW91ekZkWnkyRGRyWm1MXzlFVTRUYURGYUc1Z215QVBMTWNGUHdTSDhZMVpMWnE5NGlfeXZ6S2NnN0FxUGNURDdSY3Vuem14cXotMTdzZzZTNUx2RkZ0eE9ma01DM2dvR28wRWRnTmQwZFhwdzhhRnREQXJR?oc=5) · Talk Business &amp; Politics
- 2025-01-13 [Oak Tree Financial acquires Riverside Bank - The Arkadelphian](https://news.google.com/rss/articles/CBMihgFBVV95cUxPNGxsRVVsLXVDRnhBeFFvdmN1Y1pSWWhuQUpkSUNVYWVCTUtuQ0VMeWJYT2g0bDZzX3R3TktWNVotckN2Wm1IX3ZnQzJfX0xiZGZ1UVgxZ3RmRjNjejZ1S1ZKc01LS05oRGdvM1Rkd0dZQlpSN29HbXVEb3k0U3Y4MGFkcmdOQdIBjgFBVV95cUxNWDFvLTl4NlJjd3ZNQm9pSi1pTDVIeVJSd2w3WG96NGQ4aUdMaERqbmV0RTh1SUE4WmJFQjBNWnQxS3BXMjlCVTN4cHFKbnBlSDNKczZVSGZDRlhRVW0zNWJjZ0x3bXV4ZmhMWU9mam5aN1hmdmhaWTlKaXc5V2VJT2xqZHdmMzJEdmFHWVZR?oc=5) · The Arkadelphian
- 2025-01-13 [Oak Tree Financial Acquires Riverside Bank for $10.1M, Plans Expansion - Arkansas Business](https://news.google.com/rss/articles/CBMikgFBVV95cUxQUGY5bEd0bm40cmszRnRXNDJ0U1FHT2V6aHR2UGNmdHZFbFVWaml6d0lybm45ZFBYdWZETWlfS09USU52TzFjUTMzRjh0ckxwYUlPNG9lWnJjc1dXUzFXWmpHS0xFeGhUVWhtV25mWnVNNVBzaUZkVU5KU0t2cDBaN0hVSEIwZEdGdFZFWS16QU1FUQ?oc=5) · Arkansas Business
- 2018-03-05 [The Banker Behind Riverside Bank- Stephen Davis - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMickFVX3lxTE5lY2VGeTZQVGJiUzJQTVo2MDY4c0dCYWxCcmRrUzVMdGlYV1FMZ040Zkw5RHRMaEs5TFJjVXBTZnhWNTFDUlVfMHpSY3BxVWN3SE4wSllnX3I3VmctN1czYVpCM3dGMGNlSEdCZ3U1cEV3dw?oc=5) · Arkansas Money &amp; Politics
- 2024-10-28 [Riverside Bank Sale Set at $10M - Arkansas Business](https://news.google.com/rss/articles/CBMiogFBVV95cUxNdGNhRE9pUktsVlBjWVlyRWhIRlozR0kzT2k3TC16Mk5LdUQxOXMtWW9QYUZpUV84YTFWY1Q3ZmpMdk5JaFNMcHpiNDVqVUtIYWVaQ1NFa05iT3ZBeUR4TFFaWXplZl9LNU5sOEplTnkxRUNHMDJTV3hVQ3N4ZUtKa2ZManZENGNhQlFPdG5vVEk3YWlEeXVNcFBLUndrZkxGakE?oc=5) · Arkansas Business
- 2025-05-27 [Then & Now: Eldridge’s career defined by legal, bank, government work - Talk Business & Politics](https://news.google.com/rss/articles/CBMingFBVV95cUxNd1E4RnpSbUYtVzl1TzY3U1YwWDJhV2hKM2lOT01XeVVDMHdlUllYUDNHWE1RMFQ4ZFA2SzF4UGpoeGkwT1RSZk9jekp5dDF6Z0kybVZaQ0p0cnRpQ2lVaTZoM3c3cmEteEd3XzE4b202NVVTMlBjWnJDRmhMTUFhWmJjbDRKUklrZDR6UC1iME12djdETVQ0ZjRYLXhIUQ?oc=5) · Talk Business &amp; Politics
- 2021-06-28 [Davis Advances at Riverside (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMijAFBVV95cUxQSDg5NWFIUFpsODJqZ2xSMXlJS043b2xseDRFTUFFRm1HSC1va2VIa24zc0g4NGFqRXp3eUs0RVpBaEw1bG84dTZ0Z2J4ZHI3Q184U1ZMV2dSSGpKaE9DNGdlUTBuRnVYbWY2WmlqNnVDc3RFZS1HRHQyUFc0cDlRdXhDeFo5SUVDRmFaMw?oc=5) · Arkansas Business
- 2017-08-07 [Bank Street Partners report shows Centennial Bank with top state ranking - Talk Business & Politics](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNSzVINlNwZ2tvNlBxYVFjcjc1T0JYSzB3SmZjdlMtNWhKTDNqZy1WTE8wOW5pV2dxQm0tRjUtQXhtNWZkU29HZjkwM3ZaV1JWTWJ4SjN4ZlM4WUlocU1GbmZCeHkwY2VlLUZKSXFNUDJSbnB5cE1RWHJCMnlKMWdjVnhUcTVIWUQzc3EwWlcyUGJDZ3djakpUZnMwcC1NNy1EeDYyN0FaTExUdw?oc=5) · Talk Business &amp; Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=93 (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/29.json (key "93", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide