# RIVERS EDGE BANK
MARION, SD · FDIC certificate 9935 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $357.1M | |
| Deposits | $295.9M | |
| Loans and leases | $273.6M | |
| Total equity | $32.5M | |
| Loans / deposits | 91.29% (p73 of band) | 82.04% |
| Liquid assets / assets | 20.07% (p32 of band) | |
| Uninsured deposits / deposits | 24.14% (p43 of band) | 25.97% |
| Brokered deposits | 2.34% | |
| Wholesale funding | 9.89% (p77 of band) | |
| FHLB advances / assets | 6.74% | |
| Tier 1 leverage | 8.30% (p4 of band) | 10.81% |
| Unrealized securities loss / equity | -1.46% (p83 of band) | -8.10% |
| AOCI / equity | -1.30% (p16 of band) | |
| ROA (annualized) | 1.47% (p62 of band) | 1.28% |
| Net interest margin | 4.00% (p54 of band) | 3.91% |
| Efficiency ratio | 53.09% (p25 of band) | |
| Noncurrent loans | 0.16% (p29 of band) | 0.43% |
| Net charge-offs (annualized) | 0.05% (p75 of band) | |
| Reserve coverage of noncurrent | 794.04% | |
| Real estate % of loans | 45% | |
| Construction % of loans | 15.61% (p20 of band) | |
| Auto loans | $5.1M (1.87% of loans; DQ 0.22%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.9% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | capital falling | reserve under noncurrent |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | uninsured deposits leaving |  |
| 2014-06 | 3 | reserve under noncurrent | uninsured deposits leaving |
| 2014-09 | 2 |  | reserve under noncurrent |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2016-03 | 3 | loans exceed deposits, liquid assets <10%, reserve under noncurrent |  |
| 2016-06 | 2 |  | reserve under noncurrent |
| 2016-09 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2017-09 | 2 | reserve under noncurrent | capital falling, liquid assets <10% |
| 2017-12 | 0 |  | loans exceed deposits, reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 3 | loans exceed deposits, liquid assets <10%, uninsured deposits leaving |  |
| 2018-12 | 0 |  | loans exceed deposits, liquid assets <10%, uninsured deposits leaving |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 | loans exceed deposits | capital falling |
| 2019-09 | 0 |  | loans exceed deposits |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 2 | loans exceed deposits |  |
| 2020-09 | 0 |  | capital falling, loans exceed deposits |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 2 | reserve under noncurrent |  |
| 2021-09 | 0 |  | capital falling, reserve under noncurrent |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

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

- 2026-04-24 [Rivers Edge Bank renovating Hawarden branch - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMiywFBVV95cUxOTDc4UkVnMHd4b2doNmRZRC1aTjU3ZkVMLTRXWk1MbUk5Nkx5WDZrcmtvdklCTzRsNERjNTR1dGlMSmlXSUw4cHpSbWtfczNITThqYkZkb0FtN0N2N1NMTEhLQUtxZFlDTFp2eWQ5RnFCOGFxVVplT2p6VWRzQjlkUGNsWllMU2l5VnFKbm9RenZ2LWRXdW9rWV9PVnhfdVhpWG1fYmdQaWxDckp6RTRoSXZLQjR5bG9EcWx0bVhWWUJoQlVpeGhKV2hPMA?oc=5) · The N'West Iowa REVIEW
- 2026-07-18 [Mary Lou Scott Obituary - Argus Leader](https://news.google.com/rss/articles/CBMiX0FVX3lxTE8tR1A1UEpHTFd2cTAwcGt0YkxjelVrTVhERjRFazh1U002eml1SEQ2ZkdHZGlTeW5XQnBLLXlvTFA5UnRqLUdzZWY4VDlqNUFZQlhVRWMtdlB0UENVNEdj?oc=5) · Argus Leader
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- 2020-05-07 [Laura Aeschlimann Obituary May 7, 2020 - Hofmeister-Jones Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE1XRFZUdkUxSlRxV3M1RklTRzE2Z0JETmpZM2EyeWZMWjY2NUtFTm9VTXpxaEFzaE0yRG9ERVd3c3NwYnNZRWtQWkd3b1NWV1MyRTRJa0ZqeFF0TnVLT1NVRkZPY3JEckJZZmdUaw?oc=5) · Hofmeister-Jones Funeral Home
- 2023-08-27 [Amid county funding struggles, Turner County Fair keeps beating the odds - Dakota News Now](https://news.google.com/rss/articles/CBMirgFBVV95cUxPLTN2SG9Ia3ZoeGxRZm0xaENiMGhvWEFEZVN2YzVlSDk3YWU5WE40eW04aHJRUE5mWjFCUmY0ZmpoLXBqUkFNWFFrQjd4aXFJWUJGbTBlUFVVLTFWMkJDMThlU3RyOEswR1czV1dSMWI2U1VVYnJzckJST1lmMUVBeXJVRk5ObVFYMktMWjEzQ2hMeVBBS1UwNFotWnpJc1hfVXZRZFJVQ2wyVzZIVWc?oc=5) · Dakota News Now
- 2018-09-17 [Howard's cancer campaign - Mitchell Republic](https://news.google.com/rss/articles/CBMidEFVX3lxTFBZWDRuN3lJeTlBZ3JDZFNSTjh4SlQ4eG5raXdzUHpEUER3eWtkTnluSkM2cmNyb1BfZXNZY296TmhyZVVUM0w0X1ZCSzVOZ1h5Uko4M2R3NFNoZEdEeHh6c2V4SW5na19Rb0wzTXA0ZHYtMHFE?oc=5) · Mitchell Republic
- 2025-11-21 [LaDonna R. Mette Obituary (2025) - Madison, SD - Willoughby Funeral Home and Cremation Options - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQWHdYd1A2a1FPNVowcmF5em1WQ0RHM1daZ2pEU0huM3JmUm5xSWFVY1BIQlpPQnNRU0liWjY4VEJPTVlEZERjVTJyeWFlRmxyV2VvVmhYLURuVFFRWnNhTkd3bVlKZ3NfZFJlWFI5eGpPVF9sQ3M1eUtsZzZ2YTVNMEZ3?oc=5) · legacy.com
- 2022-08-16 [Turner County Fair has new Ag Education Center - KELOLAND.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNQ3NzYjZ3Vm9mRU1WU2tYbEhqVFpOWGhPU0FEOGFQWDJSMHlXTExJeFZGMjZvVG1JTTNOTERUUTMzdzJmWnZva0NBTFJFQi0tSzRxc1dBM284Q1g4TC1kbk5hdjNQTk1xTWRCeE90LTNrNktTVVZXcXF0T1ZwTjE2XzJBUFNaM1BSREVDNFlEV3V0UdIBlwFBVV95cUxQdm1GWXNwc180ZFJERU1WMS1vR21VdW5HQjI4NkI3Mkk0MHJ4VnhFbXNuMmtzLUQ2cU5zLXgzY2J1WkpRYTVXalJYVGlITjh2X2RSVTdkQk54OVdrcm4yMm4ydTRwWXFkZ2t6LWVoekdra0FlWHN4T01IYlRSM0stMkx1R3NLLVlYLV81ZTJycUJjc0dzcUJv?oc=5) · KELOLAND.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9935 (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/15.json (key "9935", 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