Riverwind Bank: how it compares with its peers
Against 28 AR banks with half to twice its assets, Riverwind Bank's strongest measure in Q2 2026 is assets per employee ($6.5M vs. a $5.9M peer median). Its weakest relative measure is return on assets (0.81% vs. 1.23%).
| Measure | Riverwind Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.81% | 1.23% | Bottom third Ahead of 14% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.81% | 4.29% | Bottom third Ahead of 18% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.86% | 61.18% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $5.9M | Middle third Ahead of 61% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.32% | 83.64% | Context |
What it means for lending operations
Its efficiency ratio of 70.86% is above the 61.18% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- RiverBank Pocahontas, AR · $174M
- Gateway Bank Rison, AR · $181M
- Priority Bank Fayetteville, AR · $153M
- Warren Bank and Trust Company Warren, AR · $146M
- Bank of Cave City Cave City, AR · $194M
- The Peoples Bank Magnolia, AR · $196M
Questions about Riverwind Bank
How big is Riverwind Bank?
Riverwind Bank, established in 1935, is headquartered in Augusta, AR. It reported $168M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Riverwind Bank's return on assets?
0.81% annualized in Q2 2026, against a 1.23% median for 28 AR banks with half to twice its assets, ahead of 14% of them.
What is Riverwind Bank's efficiency ratio?
70.86% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 61.18%, and lower is better.
Is Riverwind Bank growing its loans?
Net loans grew 10.4% over the year to Q2 2026, while deposits grew 13.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AR banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arkansas bank ranked.